How to Homeschool for Free or Cheap

How to Homeschool for Free or Cheap

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How to Homeschool for Free or Cheap
Interested in homeschooling but afraid it might break your family’s budget? Read this post for some really great tips on how to homeschool for free — or very close to free! {Don’t miss our weekly round-up of all the best FREE homeschool curriculum & resources! And you can also check out my Top 10 Favorite Free Homeschool Sites here.} Guest post from Jessica of Where’d My Sanity Go: Yes! It is possible to homeschool for free or cheap! Once you dig into all the homeschool curriculum products available, it can be overwhelming. When you check out the prices on those bad boys, it can get scary. Don’t worry though, there are a lot of ways to give your child a great education at an affordable price. Some of the homeschool lessons and curriculums we use are completely free! So if you’re wondering how to homeschool for free, here are my top tips… Use what you’ve got: Search your home for any books you may have forgotten about. When I started out, I had no idea how I was going to afford all the things I thought I needed. Luckily, my son had a ton of nature and science books already. I used these to build a few of my lessons for him, and we had a set of dictionaries we used for spelling lessons and other subjects. Borrow: If you already know of other homeschool families in your are, ask them if they have any old schoolbooks or homeschooling curriculum books they aren’t using and that you might borrow for a while. If you’re not familiar with any other homeschool families in the area, look on Facebook for local homeschool groups or ask your friends and family, your church, or even your local schools. When I pulled my son out of public school, they were kind enough to give me some information about local homeschool programs. Shop for used books: Check local garage sales, used bookstores, and other local stores for discounted items. Join a few Facebook groups where people are selling their used homeschool books for dirt cheap. I have saved so much money by doing this and hardly ever purchase anything brand new. Before buying anything, I always first search for used homeschool supplies or books. Utilize free homeschool resources There are tons of free online homeschool curriculum options out there. You don’t have to stick with just one either, you can take different lessons from multiple online curriculums to fit your educational outline. A few popular free curriculums: Easy Peasy – All In One Homeschool – 180-day lesson plans for PreK-8th. (this is one of our favorites) Khan Academy – Free online lessons for just about any subject. K12.com – Independent teacher-led courses for homeschoolers. YouTube — there are a ton of educational YouTube channels out there that are perfect for supplementing your homeschool curriculum. You can find different channels that range from preschool to high school subjects. Finding affordable or free homeschool educational materials or curriculum is not as hard as you think! I recommend scouring the internet to find out what’s available. Join local homeschool groups, find local Facebook groups, etc. Several of our local homeschool families often get together for different field trips — many places even offer homeschooling families a discount on tickets! Do you have any other advice on how to homeschool for free? I’d love to hear in the comments! Jessica Fuqua is the owner/editor of Where’d My Sanity Go, where she often writes about family, parenting, and homeschooling.
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Who wants a FREE $5 Amazon gift card??

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Who wants a FREE $5 Amazon gift card??
This is a super easy way to earn a quick $5 gift card for your holiday spending! Trying to stretch your holiday budget? I’ve got a way for you to easily earn a $5 Amazon gift card in just minutes — completely free! If you are planning to do any errands or shopping in the near future, don’t miss this! Here’s how to earn your free $5 gift card: 1. Sign up for Shopkick through this link, use code MOM5 during the registration process. 2. Go to one store listed in the app within 7 days. (Some of the stores listed: Kroger, CVS, Walmart, Target, Publix, Dollar General, Aldi, Sprouts, Walgreens, Whole Foods, Sam’s Club, and more!). 3. When you’re at the store, open up your app and click on the store and then scans. Scan one product listed in the app. 4. That’s it! You don’t have to purchase anything. Just use the code MOM5 when signing up and then scan one item in-store. 5. Because you used the code above, you’ll get 1250 bonus “kicks” instantly added to your account. You can trade these in for a $5 Amazon gift card! (Or any other gift card!) Want to Earn Even More Points? Want to earn more points? Make sure to have the Shopkick app open when you walk in the store (you’ll earn kicks for this) and then scan all the other items listed in the app that you can earn points for. For instance, right now, I can earn 24o kicks just for scanning products in the app at Kroger, or 335 kicks for scanning products in the app at Publix, or 75 for scanning products at Aldi. I don’t have to buy anything at the stores. All I have to do is open up the app when I’m in the store and scan the specific item and I’ll earn the kicks. Best of all, I can do this every single time I go shopping — and it’s FREE points to use toward FREE gift cards! Find Out More About Shopkick Read more about how Shopkick works and how to earn more points with Shopkick here. Also, check out my post on 7 Easy Ways to Earn Amazon Gift Cards for other ways to earn free Amazon gift cards. Psst! Getting ready for the holiday season? Be sure to check out our Holiday Shopping Survival Guide! And don’t forget to sign up for our Hot Deals Newsletter to make sure you don’t miss any of the hottest Black Friday and holiday deals! [...]
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Are You Getting the Best Deal on Amazon? Here’s an Automatic Way to Check

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Are You Getting the Best Deal on Amazon? Here’s an Automatic Way to Check
If you shop on Amazon — and who doesn’t? — we’ve found an incredibly easy way you can automatically save yourself money. It’s called Wikibuy, and it’s available as a browser extension or as an app. Once you click a button to install it, it instantly becomes your own personal heat-seeking missile for savings. That’s why 3.9 million shoppers are using it, and that’s why it’s highly rated in the Chrome Web Store. What is Wikibuy? We Use it to Find The Best Deals When you shop around on Amazon, Wikibuy pops up and becomes an automatic price-comparison tool. If you’re checking out a product like, say, a wireless speaker, Wikibuy searches thousands of other sellers, including Walmart and eBay, looking for a better price. It takes into account shipping, sales tax and availability, including size and color. It also tries coupon codes. If you like what you see, click the “Continue to Wikibuy” button that shows up automatically on Amazon, and place your order. Wikibuy even predicts when your order will be delivered. It Works Even if You’re Not Shopping on Amazon Let’s say you’re not shopping on Amazon. Instead you’re shopping online on a different site, like Best Buy or Target. When it’s time to check out, Wikibuy automatically searches online for any coupons or promo codes or discounts that it can apply to your order. It compiles data it collects from its millions of Wikibuy users. If a promo code worked for another Wikibuy user who bought a product before you, Wikibuy copies that code to save you money. Honestly, This is One of The Easiest Ways to Save If you’re not accustomed to browser plug-ins, then don’t let the term scare you away. It’s easy to download the thing, and it just automatically runs on top of your browser when you’re shopping. Simple. Wikibuy is available on the browsers Chrome, Microsoft Edge and Firefox. It’s also available as an iPhone app. Wikibuy gets good reviews from users, mainly because it’s free, simple and automatic. The browser extension has a 5-star rating from 3.9 million users in the Google Play store. One final thing: You can also earn Wikibuy credits while you shop. You use those credits for gift cards. That’s just one more feature. Wikibuy’s main draw is the automatic savings. After a simple free install, see how it works for you. Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He’s turning into an Amazon guy. Wikibuy compensates us when you install Wikibuy using the links we provided. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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The Children’s Place: 80% off Clearance = Puffer Jackets only $11.98 shipped!

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The Children’s Place: 80% off Clearance = Puffer Jackets only $11.98 shipped!
This post may contain affiliate links. Read my disclosure policy here. The Children’s Place has some HOT deals going on right now! Right now, The Children’s Place is offering up to 80% off clearance! Plus, shipping is free! There are tons of hot deals included in this sale. As a deal idea, you can score Toddler and Kid’s Puffer Jackets for as low as $11.98 shipped. These are regularly $39.95 so this is a great price. See all the clearance deals here. Thanks, Passionate Penny Pincher! [...]
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JCPenney: Buy One, Get One Free Nike Shoes!

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JCPenney: Buy One, Get One Free Nike Shoes!
This post may contain affiliate links. Read my disclosure policy here. Right now, you can score Buy One, Get One Free Nike Shoes at JCPenney! For a limited time, JCPenney has Nike shoes on sale Buy One, Get One Free! No promo code needed. Please note that this excludes sale and clearance shoes. Check out these deal ideas… Buy one pair of Nike Air Max Oketo Mens Running Shoes – $75 Buy one pair of Nike Run Swift Womens Running Shoes – $70 Total after Buy One Get One Free = $75 $37.50 each after sale Buy one pair of Nike Downshifter 9 Womens Running Shoes – $60 Buy one pair of Nike Flex Essential Womens Training Shoes – $60 Total after Buy One Get One Free = $60 $30 each after sale Buy one pair of Nike Zoom Rival Fly Womens Lace-up Running Shoes – $90 Buy one pair of Nike Zoom Winflo 6 Womens Running Shoes – $90 Total after Buy One, Get One Free = $90 $45 each after sale Choose free in-store pickup to avoid shipping costs. Thanks, Hip2Save! [...]
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Veterans Day Freebies 2019

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Veterans Day Freebies 2019
If you’re a part of the military community, don’t miss out on all of these Veterans Day freebies you can score! {Check out this big list of FREEBIES you can also sign up for right now, plus be sure to check out our latest Restaurant Deals and Freebies!} Veterans Day Freebies 2019 Are you a veteran or know someone who is? Don’t miss all of these great Veterans Day freebies and deals that you can score on Monday, November 11th! Tall brewed coffee at Starbucks Entry to U.S. National Parks Chili’s meal California Pizza Kitchen entree Red, White, & Blue Pancakes at IHOP Applebee’s meal Breakfast at Pilot Flying J Dr. Pepper and entree at BJ’s Restaurant Double Chocolate Fudge Coca-Cola Cake dessert or Pumpkin Pie Latte at Cracker Barrel Military Appreciation Dinner at Golden Corral on Monday HOT-N-READY Lunch Combo at Little Caesars Pizza Donut and 12oz coffee at LaMar’s Donuts Coffee & donut at Price Chopper stores All You Care To Eat breakfast at Shoney’s Care care checks and tire installation at Goodyear Auto Service and Just Tire locations Great Clips haircut Sports Clips haircut Military ID is typically required for these Veterans Day Freebies. Valid only on November 11, 2019. Do you know of any other freebies we missed? Let us know in the comments! [...]
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20 Gifts for Boys Under $30

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20 Gifts for Boys Under $30
This post may contain affiliate links. Read my disclosure policy here. Looking for the best gifts for boys this holiday season? We have you covered with this Little Boys Gift Guide — and they’re all under $30 to help you stick to your gift budget! This list includes gifts for 7 year old boys, gifts for 5 year old boys, and gifts for 2 and 3 year old boys! This Holiday Gift Guide was thoughtfully put together by Gretchen on the MoneySavingMom team — a mom to three little boys ages 7, 2, and 1. As a boy mom, her life is full of adventure, dirt, and snacks! She is married to her high school sweetheart and enjoys finding good deals, decorating, coffee, and good books. Have a little boy on your list this year and you’re stumped on what to get them? Here are some great ideas to get you started based on their age. There are a wide variety of items listed here, so you’ll be sure to find something they like! Best Gifts for 7 Year Old Boys 1. Nerf N Strike Elite Strongarm Toy Blaster – My son loves playing with Nerf blasters with his friends and my husband! This one is a great gift for Nerf newbies. 2. Hasbro Guess Who Classic Game – This game is a favorite at our house! My 7 year old and I will often play a game or two after the little ones go to bed. It’s super easy and a lot of fun! 3. Remote Controlled Mini Drone Quadcopter – Someone gifted my son with this and it is the coolest little toy! This Quadcopter can fly forward, backward, up, down, hover, and even do complete flips in the air. 4. Ideal My First Magic Set – This set is a great introduction to magic tricks and includes items to perform 25 different magic tricks. My son has enjoyed performing his magic tricks for all sorts of friends and family using this kit. 5. Kid’s Walkie Talkies – You can’t go wrong with walkie talkies, especially if you have more than one boy. I can’t tell you how much fun kids have with these! Best Gifts for 5 Year Old Boys 6. Magic Tracks Remote Control Turbo Race Cars with Bendable Glow in the Dark Racetrack — This racetrack probably ranks as one of my boys’ favorite gifts they’ve ever received! This track bends and flexes as well as glows in the dark — making it super fun and exciting. 7. Superhero Costume Capes and Masks – Boys like to dress up too — just as long as it’s anything superhero related! These capes and masks are soft and adjustable. 8. Melissa & Doug Wooden Building Blocks Set – These blocks are made from solid wood and they’re perfect for building towers and knocking them over again and again. My boys have even used them to construct roads and towns for their toy cars and mini-figures. 9. LEGO Classic Creative Suitcase Building Kit – Once my boys are a little older, they transition from Duplos to real LEGOs and this is a great first LEGO kit to start them with. I love that it comes with a carrying case to keep them all in one spot. 10. Just Play PJ Masks Collectible Figure Set – If you have a PJ Masks fan, these PJ Masks Figures will be a hit! This set includes Cat boy, Owlette, Gekko, Luna girl, and Romeo. Best Gifts for 2 and 3 Year Old Boys 11. Fisher-Price Nickelodeon Blaze & the Monster Machines – My boys are obsessed with Blaze & the Monster Machines, and these little cars have provided hours of entertainment for them. We’ve had them for several years and they are extremely durable and good quality. 12. Play-Doh Modeling Compound 10-Pack Case of Colors – You can’t go wrong with Play-Doh! Boys love to squish, shape, and mold this stuff into all sorts of interesting creations. 13. First Builders Big Building Bag – Mega Bloks are my boys’ first introduction to LEGOs and they always love them! These are perfect for early development skills as well. 14. Wooden Train Tracks Full Set Bundle – Oh my goodness! I can’t tell you how much little boys love trains and train tracks! We’ve had our set for over 5 years and all three of my boys have spent hours playing with it. This set connects with multiple brands including the Thomas Railway System, Brio, Melissa and Doug, Kidkraft, and more! 15. Safari Animals Figures – I didn’t know boys could have so much fun with animal figures until they got one free in a fast food kids meal. We are continually adding to our collection and now have animal figures all over our house. They sleep with them, play with them in the bath, and always take them on car trips. This set is BPA-free and uses no-toxic paint. Stocking Stuffers for Boys 16. Flying Rubber Chicken Slingshot (16 pack) – These are the silliest little toys but kids absolutely love them! I buy them for every birthday party and throughout the year as surprises. These things provide so much laughter and fun and would be such great stocking stuffers. 17. Mr. Bubble Magic Bath Crackles – Make bath time fun with these magic bath crackles! My boys thought these were the best thing ever! 18. Super Miracle Bubbles – My kids are always up for playing with bubbles! These are an easy stocking stuffer idea that won’t disappoint. 19. Hog Wild Holiday Snowman Popper – This toy has been awarded the “Best Toy” award by Parents Magazine and I would agree! Not only did it provide lots of entertainment and laughter for my boys, it’s also quiet and small — two things that are on my checklist for best toys. 🙂 20. Whoopee Cushion – If you have boys, I can assure you this will be a hit. I found these at my Dollar Tree and put them in their stockings last year. The only problem was that I heard this all day long on Christmas. But hey — they loved them! Bonus Ideas (Over $30) Have a little extra wiggle room in your Christmas budget and willing to spend a bit more? Try one of these bonus recommendations: 21. Little Tikes Easy Score Basketball Set – This basketball set is has been a big hit with all of my boys (including my husband at times!). It’s small enough to use inside and has been a lifesaver on some of the long winter days to help burn off energy. 22. Little Tikes First Slide – We got this slide a couple of years ago and it has provided hours upon hours of fun. Not only do my kids slide down it, but they race their cars, trucks and basketball down it as well. 23. Foam Bow & Arrow Archery Set – This bow & arrow set is made from durable lightweight, foam tip arrows allowing the arrows to shoot over 100 feet! More Holiday Gift Guides Looking for other budget-friendly holiday gift guides? Don’t miss Gretchen’s Beauty Gift Guide and Olivia’s Gluten-Free Gift Guide! Stay tuned as we roll out several more gift guides over the next couple of weeks — put together by several different MoneySavingMom.com team members! Psst! Be sure to sign up for our hot deals newsletter to make sure you don’t miss any of the hottest deals each day this holiday season! What other ideas do you have for best gifts for boys? Let us know in the comments! [...]
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Here’s a Legitimate Way to Get up to $5K in Free Cash When You Buy a House

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Here’s a Legitimate Way to Get up to $5K in Free Cash When You Buy a House
Are you thinking of buying a home? Maybe it’s time to stop renting and start owning — or you’re ready to trade in your current home for a bigger, better one in another location. If you’re ready to pursue the American dream of homeownership, there’s one important and surprising step you might want to take first — something you may not have thought of. You can actually get cash back on your home purchase — as much as $5,000. Unbelievable, huh? Normally when you think “cash back,” you think about getting a little bit of money back on your debit-card purchases or for certain items at the grocery store. Let’s think bigger — a lot bigger. We’ve found a rewards site called Cash Direct Club, and it’ll pay you some serious cash for major purchases. How to Get Paid Within 30 Days of Closing At first glance, Cash Direct Club appears to be similar to other cash-back sites. Namely, it allows you to get paid when you shop at more than 200 major online retailers. Look closer, though, and you’ll see a big difference. You can earn up to $5,000 if you buy a home through one of 20,000 top real estate agents across the U.S. in the club’s network. Trust us: It’s important to have a real estate agent you’re comfortable with, and that’s why this company has gone to great lengths to build a huge network of agents. It earns a commission for referring you — and shares it with you. “When you purchase a home, we then pass along part of those earnings to you as cash back,” the company says. “It’s that simple!” Here’s how to earn that $5,000 rebate when you buy a home: Fill out a quick and simple form on Cash Direct Club’s website.  Get matched with a real estate agent in your area.  Buy a house, and get paid within 30 days of closing. You’ll Find More Ways to Get Paid, Too If you want to buy a home, this looks like the best deal for you. Beyond that, you can keep earning by shopping (and saving) with Cash Direct Club. You’ll immediately earn $3 when you install its web browser button and another $3 if you download the app. You can also shop online directly through Cash Direct Club’s website, by clicking on the retailers listed there. And you’ll get a $20 bonus when you make your first purchase. Here’s what else it offers: Earn up to double cash back at many retailers when you spend at least $125 on a single purchase. Earn $100 cash back if you get a personal loan through the site. (Its partner lender offers loans of $1,000 to $50,000 for terms of three or five years.) Earn up to $10 when you refer a friend — $5 when they make their first purchase, and another $5 when they make a purchase of over $125. Now get house-hunting! Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He likes cash just as much as you do. 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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15+ Gluten-Free Gifts Under $30

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15+ Gluten-Free Gifts Under $30
This post may contain affiliate links. Read my disclosure policy here. Looking for unique gluten-free gifts to give someone with food allergies? We have you covered with this Gluten-Free Gift Guide — and they’re all under $30 to help you stick to your gift budget! This Gluten-Free Gift Guide was thoughtfully put together by Olivia on the MoneySavingMom team. Olivia loves cooking but has had to learn to be creative in the kitchen to avoid her food sensitivities (including gluten). She is happily married to her best friend Michael, who also has food sensitivities. Olivia considers it a fun challenge to make delicious meals that they both can enjoy! Do you know someone who has gluten allergies? You’d be surprised how many items contain gluten — chocolates, personal care items, and more. Check out this gift guide for some really unique gift ideas you can safely give someone who avoids gluten! Gluten-Free Gift Ideas 1. Spiralizer — Spiralizers allow you to turn fresh vegetables into faux pastas, which are a great gluten-free alternative to the traditional wheat noodles. This is a kitchen gadget every gluten-free person should have! 2. Gluten Conversion Chart — This refrigerator magnet would be a beneficial gift for the gluten-free baker! A gluten-free conversion chart is essential to have on hand while converting traditional wheat bread recipes to make them gluten-free. 3. Toaster Bags — Toaster bags are perfect for those who are concerned about cross-contamination. They can be used to cook or heat up all kinds of food in the oven, microwave, toaster, or on the grill and would be a great gift for someone who travels often or shares a kitchen with those who are not gluten-free. 4. Small Cooler — A lunchbox cooler is handy for those on a gluten-free diet as they often need to transport food when gluten-free food options are not available. This cooler not only works to keep foods cold but also warm! 5. Gluten-Free Diet Guide — This practical diet guide would be a great gift for someone who is new to the gluten-free diet. 6. Gluten-Free Labels — These labels would make a great gift for those who are gluten-free and share a kitchen. They guard against cross-contamination and also alert others of what is not gluten-free. 7. Food Storage Containers — Glass food storage containers work well for transporting gluten-free foods or keeping them fresh in the refrigerator. These are some of my favorite — I use them every day! 8. T-Shirt — This “gluten-free” t-shirt would be a fun gift for someone with a sense of humor who doesn’t mind being asked about their diet! 9. Bubble Bath — California Baby bubble bath is completely gluten-free and would make a wonderful gift for a child with very “sensitive skin, eczema, or allergy concerns.” The bubble wand included in the bottle provides more bath-time fun! 10. Natural Soy Cinnamon Rolls Candle — Enjoy the lovely aroma of traditional cinnamon rolls without the risk of coming in contact with gluten! I love products that smell like desserts, especially those desserts I can no longer eat! 11. Gluten-Free Snacks — Enjoy Life products are all gluten-free and incredibly yummy! Any of their cookies, snack bars, or baking mixes would make a great gift! 12. Loaf Pan — This bread pan is ideal for gluten-free loaves which require more support than traditional wheat loaves as they rise. This would make a good gift for a gluten-free baker! 13. Bread Thermometer — An instant-read bread thermometer is another kitchen tool every gluten-free bread maker should have. It can be difficult to know when the bread is cooked, but this thermometer will take out the guesswork! 14. Assorted Chocolates — These gluten-free chocolates would make an excellent gift for those with multiple allergies as they are free of many other common allergens too! Gluten-Free Stocking Stuffers 15. Play Dough — Traditional Play Doh contains wheat, so this is a great alternative for children with a gluten allergy! 16. Lip Balm — Many lip balms contain a small amount of gluten. These Badger lip balms are certified gluten free and would make a great gift for anyone avoiding gluten! 17. Whole Foods Gift Card — You can never go wrong with giving someone a gift card! Whole Foods offers a variety of options for those who are gluten-free. If you don’t have a local Whole Foods, consider giving a gift card to a natural health food store in your area. 18. Gluten-Free Living Magazine — Magazine subscriptions are a fun gift that keeps giving throughout the year! Gluten-Free Living is a magazine full of practical tips for the gluten-free individual! If the first issue doesn’t come in time, print a photo of the magazine cover and roll it up to stick in a stocking with a little personalized note! (Use code MONEYSAVING to get an extra 20% off the listed price!) Psst! Be sure to sign up for our hot deals newsletter to make sure you don’t miss any of the hottest deals each day! More Holiday Gift Guides Looking for other budget-friendly holiday gift guides? Don’t miss Gretchen’s Beauty Gift Guide! Stay tuned as we roll out several more gift guides over the next couple of weeks — put together by several different MoneySavingMom.com team members! [...]
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Senior Citizens Can Go to College for Free or Cheap in All 50 States

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Senior Citizens Can Go to College for Free or Cheap in All 50 States
We’re living longer than ever before, and doing so in better health. So what can you do when you retire and want to keep your mind sharp or need to gain additional skills to stay competitive at work? For many, the answer is to go back to school. But tuition can be prohibitively expensive. At the same time, schools want their classrooms to be full of engaged students, regardless of age. In the interest of continuing education, many colleges and universities offer reduced or free college tuition to senior citizens (typically, adults 60 and up, although the rules vary). In fact, we found at least one option in every state! Free (or Cheap) College for Seniors in Every State  While some institutions only allow senior students to audit classes, many offer the chance to earn credits toward a degree at a reduced — or completely waived — tuition rate. Does your state have a continuing education you can use in your golden years? Find out below! 1. Alabama Alabama seniors can attend any two-year institution within the state tuition-free. Adults 60 and older should contact the financial aid office at any community college for admission and eligibility details. 2. Alaska The University of Alaska waives tuition for senior-citizen residents who receive full social security benefits. Seniors must wait until the first day of classes to enroll to ensure that there’s space remaining; they must also complete a tuition-waiver form. Additional costs such as student activity, health center and lab fees are not covered; the student must pay them directly. 3. Arizona All 10 campuses of Maricopa Community College allow senior citizens to take classes for credit at 50% of the full tuition cost. Students 65 and older must register between the first and second class sessions of the semester to ensure space is available. 4. Arkansas Arkansas waives tuition for anyone 60 and over who wants to work toward an undergraduate or graduate degree at state institutions. Student fees may apply and senior citizens may only register for classes with space available. 5. California   California State University waives all tuition and dramatically reduces campus fees for residents age 60 or older. 6. Colorado Students age 55 and older may attend class on a space-available basis at Colorado State University. There is no tuition fee, but visitors don’t get credit for attending class. At the University of Colorado Denver, persons aged 60 and above may enroll on a no-credit basis to attend up to two classes per semester as auditors when space is available. Courses with a lab component are excluded, along with computer courses. 7. Connecticut Residents 62 and up may attend state colleges, including community colleges, for free on a space-available basis. At Central Connecticut State University, for example, tuition is waived for any resident over the age of 62 who applies for full- or part-time admission for a degree-granting program. Senior students may also take non-credit courses on a space-available basis and have tuition waived. All students must still pay all other fees.  8. Delaware The University of Delaware, Delaware State University, and Delaware Technical and Community College all permit state residents age 60 or older to audit or take classes for credit for free. At the University of Delaware, students wishing to use the program must apply for admission on a space-available basis. Some graduate degrees may be eligible, as well. Participants must pay all related student fees and buy their own textbooks. 9. District of Columbia Senior citizens 65 and up may audit undergraduate courses from Georgetown University’s School of Continuing Studies. These students pay a fee of $50 per course. 10. Florida The Florida college system waives application, tuition and student fees for those age 60 and above, but colleges will award no credit and will grant admission on a space-available basis. Fun fact: Florida Atlantic University’s Lifelong Learning Society has the largest adult continuing education program in the U.S. It even has its own auditorium on campus to help serve FAU’s 27,000 new registrants each year. 11. Georgia Georgia residents age 62 and above may take classes on a space-available basis for free at the state’s public colleges. Seniors may choose to take classes for credit or continuing education, but they must apply through the regular admissions process at their school of choice. 12. Hawaii The Senior Citizen Visitor Program at the University of Hawaii and state community colleges allows senior residents to attend courses free of charge.  Schools will not award credit nor will they keep permanent records of students’ class history. 13. Idaho Programs in Idaho vary based on institution, but some schools offer good deals. The College of Southern Idaho offers a Gold Card for students age 60 years and older, which allows them to take non-credit classes tuition-free. At Boise State University, Idaho residents who are at least 65 years old can audit classes on a space-available basis for free except for applicable special course fees. 14. Illinois Upon admission, any senior citizen age 65 and up who meet income requirements can attend regular credit courses at Illinois public institutions for free. Lab, student and other fees still apply. 15. Indiana Purdue University and Indiana University each offer programs that allow retired residents age 60 and to take up to nine credit hours per semester and pay just 50% of in-state tuition fees. 16. Iowa Private institution Simpson College in Indianola allows people 65 and older to take one non-credit class for free per semester. Course are open on a space-available basis and do not include lab courses. 17. Kansas Kansas residents 60 and older can audit courses at state institutions on a space-available basis without paying tuition. The registration process varies: The University of Kansas and Wichita State University, for example, both require senior auditors to apply for admission. 18. Kentucky Tuition and fees are waived for students age 65 and older taking classes on a space-available basis. Residents must be admitted to a state-supported school to take advantage of this discount. 19. Louisiana Students age 55 and up attending Louisiana state schools receive free tuition and 50% off books and materials at the campus student bookstore. 20. Maine Senior citizens 65 and up may attend undergraduate classes as degree-seeking or audit students in the University of Maine System for free, subject to space availability. 21. Maryland Any student in the University of Maryland System who’s retired and over the age of 60 may have tuition waived, even for degree-granting programs. 22. Massachusetts Residents age 60 or older can take at least three credits per semester at any state-supported school in Massachusetts and receive free tuition. 23. Michigan Opportunities for seniors in Michigan vary by institution. At Michigan Tech, for example, students 60 and older can have tuition waived for up to two courses per semester. Seniors must apply through the admissions office. Western Michigan University invites seniors 62 and older to register for one class per semester tuition-free. At Wayne State University in Detroit, seniors 60 and up receive a 75% discount on tuition, but must pay registration and related fees. 24. Minnesota Minnesota waives tuition for senior citizens 62 and older, but fees may vary by school. At the University of Minnesota, seniors pay a $10 fee per credit, but can audit for free. 25. Mississippi There’s no statewide benefit in Mississippi, but some schools have programs for seniors.  Mississippi State University provides a waiver to residents age 60 or older for classes offered on the Starkville or Meridian campuses or by the Center for Distance Education. Seniors are limited to six semester hours per semester and a maximum of 18 credit hours per calendar year, where space is available. University of Missis [...]
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How To Make Money Creating Printables

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How To Make Money Creating Printables
Did you know you can make money creating printables and selling them online? This is such a great way to make some extra income from home! Guest post from Bridget of SunshineAndRainyDays.com When my kids were young, I remember putting them to bed and just sobbing. I absolutely LOVED being a stay-at-home mom and didn’t want that to change, but I felt empty. I needed something more — something that would allow me to have my own identity. As the kids got a little older, I poured myself into volunteer work. A friend and I started a MOPS group at our church, and I volunteered in my kids’ classrooms, with the PTA, and at church. At one point, I realized my volunteer hours had become a full time job. Counting Box Tops is no joke! When the kids hit high school, the volunteer opportunities started drying up. I stepped away from my roles at church and decided it was time to pursue something just for me! I followed a few bloggers, took one of Crystal’s blogging courses, and eventually started creating printables. That’s when everything started to click, and I realized I had found what I really, truly enjoy! Printables made excellent opt-ins for my blog, but then I discovered you can also make money selling printables. Yay! What Is A Printable? A printable is a digital file suitable or fit to be printed or published. That’s a stuffy dictionary definition. Are you ready for MY definition of printables? Printables are digital files you can download to your own computer and print at home to make life easier, add fun to your life, keep you organized, or help save you money! Examples Of Printables The best printables to sell are the ones with everyday, practical uses. Think about what printables might make life easier or more fun, help someone stay organized or save money — the possibilities are endless! Here are some examples below of printables I’ve created in the past… Birthday Party In A Box — This one makes your life easier when you want to send a Birthday Surprise to someone you can’t celebrate with in person. You don’t have to come up with your own box decorations because we’ve done it for you! Leprechaun’s Loot — Surprise your co-workers, friends, and family with Leprechaun’s Loot to make St. Patrick’s Day a bit more FUN! Medical Binder — This one is a great example of one way to stay organized with printables. Christmas Trivia Printables — These make Christmas party planning easier, the party more fun, you’ll impress your guests with your organized game, and you’ll save money because it’s a super inexpensive way to entertain! How To Create Printables In the beginning, I created printables using a combination of free programs like Canva, PicMonkey, Numbers, and Pages. Then, I discovered Affinity Designer. I now create all of my printables in Affinity Designer and can make them look just the way I want with this one app. It’s so easy! Here’s how to create a printable: Come up with a printable idea. Make a quick sketch of your design. Set up your page in your design software. Design your printable. Include your URL and copyright symbol. Print your design to try it out. Save as a PDF to share. For more in depth instructions on creating printables, be sure to check out my guest post over at Your Blogging Mentor. Where To Sell Printables Are you excited to create printables, but you aren’t quite sure where to sell them? You actually have quite a few options! Here are just a few ideas: 1. Gumroad — This is a marketplace for creators to sell their products. I like Gumroad because you can start selling printables without a monthly fee — which makes it a great way to test out your new products. At the time I wrote this article, they take $0.30 + 3.5% one-time fee per sale. You only pay the fee if your product sells, so there’s very little risk. And Gumroad collects the money for you and deposits it (minus fees) into your account. You can go here to see an example of a product I have listed on Gumroad. 2. Shopify — While I still have a few sales trickling in from Gumroad, I pretty much have exclusively switched over to a Shopify store. I love Shopify, because it allows me to create an entire store with different printable collections and they offer a great user experience for your customers. There is a monthly fee, so this is only a good option if you’re at a place where you’re selling printables on a regular basis. 3. Etsy — I have not personally ever sold anything on Etsy, but I know plenty of people who do and are very successful with it! The advantage of Etsy is the massive number of people who frequent the site looking for specific item. Buyers may stumble upon your printables in Etsy through a search on the platform. 4. Teachers Pay Teachers — If you plan to create a lot of educational printables, Teachers Pay Teachers is an excellent platform for you to sell on. Your very first product that you list has to be free, and then you can start charging after that. 5. Sell as a virtual assistant — If you aren’t interested in starting a blog or having your own online store, you have other options — one of which is to sell to bloggers! Most bloggers don’t have time to do everything, so they hire virtual assistants to create printables for them. A great way to find work with bloggers is by searching for Facebook groups where you can advertise your printables to bloggers. One example is this VA for Hire Facebook group. Once you make a sale, you can use a PayPal business account to invoice and collect payment. 6. Create printables for people you know — Another option is to create printables for people you know! Showcase your work on social media and get the word out that you are creating printables for others. As you do more and more work, the word will spread! It can be fun to create printables for customers, because you get to experiment with bringing their vision to life! Just be sure to correctly estimate how long the work will take you and decide on a fair hourly rate that’s worth your time. Tip: When you create printables for others, be sure to look at it as a business transaction. They will likely have changes they would like you to make and that’s okay! That’s a part of the process and it’s important to not take it personally. Over time, you will learn the likes and dislikes of your customers. This will make future projects go quicker! It’s nearly impossible to be on every platform, so I recommend that you just pick one to start with and dive in! Learn everything you can about the platform and try it out. How To Advertise Printables Once you’ve created a few printables, you need a way to point buyers to your product — which is where advertising comes into play! If you’re looking for some easy ways to advertise, try one of these: 1. Advertise Through A Blog — The first printables I sold were through blog posts on Sunshine And Rainy Days. I used Gumroad to sell those printables and it worked quite well! (You can see one of my early months of sale from back in 2017 above.) And blog posts continue to be the primary way I advertise printables! 2. Create Pinterest Pins — Pinterest is considered a search engine and many people go to Pinterest to find ideas and solve problems. Create your Pinterest pin, highlight your printable, link it to the product, and pin away! Don’t forget to add keywords and hashtags in the description to help Pinterest users more easily stumble upon your pin in search! 3. Share On Social Media — You can also share your printables on social media with a link to your product. Share on your own page or in Facebook groups. (Just be sure to read group rules to make sure you’re allowed to share in the group.) Printables Have Huge Potential! Last year, the kids wanted to throw a Christmas Party for their friends. I [...]
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This Teacher Earns $3,000 a Month on the Side by Upcycling Furniture on Facebook

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This Teacher Earns $3,000 a Month on the Side by Upcycling Furniture on Facebook
After a long day of teaching Chinese to middle and high schoolers, cooking dinner for her daughter and husband and prepping her spare bedroom for Airbnb guests, Sara Chen likes to call out to her Echo Dot: “Hey, play some soft music.” This is when most people would plop on the coach and let out a deep sigh of exhaustion. Maybe pour a glass of wine and call it a night. But Chen isn’t most people. She’s just getting started. Soft music humming in the background, she heads to her garage and starts sanding, priming and painting furniture – usually mid-century modern dressers – for her side gig, Sara Chen Design. Until earlier this year, Chen, 40, hadn’t found the right outlet for her strong creative streak. It was by chance that she stumbled upon upcycling furniture, work she finds energizing and inspiring. The extra $2,500 to $3,000 a month is just an added benefit. Finding Furniture, Fulfillment With Sara Chen Design When Chen left her HR job in China to move to the U.S. 10 years ago, she felt like she was taking a step down professionally. “All of the advantages I had deteriorated,” Chen said, noting the lack of parallels in hiring practices between Denver and Shanghai. So she pivoted her career circa 2009 and took a job teaching Chinese. It allowed her and husband Justin Herbertson to raise their newborn daughter, Gemma. She’s been a Chinese teacher ever since, and she enjoys the work. It’s stable. It pays the bills. The health insurance is great. And now Gemma attends the same school. But Chen yearns to be creative. Pro Tip Attaching a sense of purpose to a day job is risky. Namely because you can get fired. The Penny Hoarder spoke to well-being experts for our guide to finding fulfillment outside the 9 to 5. In 2015, she learned about Airbnb, and, by extension, the idea of starting her own gig when the family moved from Denver to Charlotte, North Carolina. Chen jokingly calls herself a “control freak,” and listing rooms on Airbnb allows her to flex both creativity and control. While she gets to curate well-manicured rooms for rent, Airbnb doesn’t fully quell her desire to be creative. Then she got her first taste of furniture flipping. On Facebook Marketplace, Chen found “a steal”: a mid-century modern dresser for $200 that would go perfectly in her bedroom. She brought a friend to meet the seller. “So, I went in and found out she actually had two dressers… both mid-century modern style,” Chen said. “I told my friend, ‘You know what? You should buy the other one.’” Her friend said no. “It looks so ugly,” she told Chen. Chen bought both pieces for $400 anyway. The first piece she kept as is. For fun, she decided to paint the second one. She bought sandpaper, tack cloth and a can of white paint – in all, about a $30 investment. Then she set up shop in her garage and got to work. In two or three hours, the dresser was like new — but better. “Then my friend came over and she was like, ‘Is that the dresser you [tried to] convince me to buy? It looks so good! Can I have it now?’” Chen recalled. On the spot, she made a sale: $350. And that gave Chen the courage to start upcycled furniture flipping as a side gig. “That’s what I like about America,” Chen said. “This is a country that really promotes hard work and creativity.” A Perfect First Customer Chen decided to play it safe with the first piece she made available to the public. To find the right piece to flip, she again turned to Facebook Marketplace, investing much less the second time around: $70 for a 1930s dresser from Singapore. “My rationale is that I really like this piece,” Chen said. “And if it doesn’t sell, I’m going to use this for myself.” She chose a dresser because it’s a versatile piece of furniture for flipping. It can double as a baby-changing station or an entertainment stand, if needed. And with a robust teal coat, newly installed cup-pull handles and a simple black-and-white liner for the drawers, Chen transformed the piece from rustic to chic. Her first customer drove more than two hours to pick it up. When the woman arrived, she marveled – and shelled out $420. Including supplies, Chen earned about $300 in profit on her first sale. On her way out, the customer encouraged Chen to create an Instagram account to showcase her work. The woman had a large social media following and said she would give Chen a shout-out.  Chen took that advice to heart. In less than a year, with the help of her happy first customer, she has amassed more than 1,700 followers on Instagram. Pro Tip Social media sites are free and often underutilized tools for budding businesses to attract customers. Use these social media best practices to get your footing, the earlier the better.  But Chen’s luck with her godsent customer didn’t end there. “After she got the green dresser, I noticed she was pregnant,” Chen said. “I got another dresser, also from Facebook Marketplace… and then I painted it pink. I added black handles.” “You’re looking for a dresser for your girl?” Chen texted her. “Well, I might have a piece you want.” Chen photographed the new pink dresser and sent over the pictures. Fingers crossed. “This is exactly what I want!” the woman replied. The second piece, which Chen purchased for about $60, sold for $400.    Sale 1: Teal Dresser Sale 2: Pink Dresser Purchase price: $70 $60 Cost of materials (sandpaper, paint, cloth, etc.): $30 $30 Sales price: $420 $400 Profit: $320 $310 And those price points weren’t one-offs from an enthusiastic buyer. Chen’s instincts were dead on. After researching her competitors on Marketplace, she typically shoots for those profit margins with each project. For tallboys, like the pink dresser, Chen spends $40 to $70 and flips them for $325 to $425 on average. The margins for long dressers are even better – a $60 to $120 purchase price and a $475 to $525 sales price. Depending on the project, that means she regularly sees profit margins between 70% and 90%. “You need to find a sweet spot,” Chen said. “I try to keep it in the median-high level. I feel like that’s the right spot [for me].” Flipping Furniture Is All About the Photos After tallying about 70 pieces of vintage furniture hunted, cleaned, patched, sanded, repatched, primed and painted since early 2019, Chen has her upcycling process down to a science. But when the paint dries, her work is only a little past the halfway mark. Next, she stages the piece for high-quality photos to include in her listings on Marketplace or Instagram. It’s now her favorite part of the process. “It’s also probably the most important part,” Chen said. “It’s gone from a regular piece to a stunning piece, and I want people to see that.” FROM THE MAKE MONEY FORUM How I'm Making Money on Poshmark 12/31/18 @ 4:47 PM C Side hustle from home 10/25/19 @ 10:13 AM Amazon refund 10/28/19 @ 8:56 PM how to make money? 10/30/19 @ 1:21 PM See more in Make Money or ask a money question The added love really goes a long way. When Chen listed the first teal dresser, she added potted cherry blossoms, a wooden vanity tray and a stool adorned with books [...]
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Columbia Men’s Robinson Mountain Jacket only $39.99 shipped (Reg. $100!)

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Columbia Men’s Robinson Mountain Jacket only $39.99 shipped (Reg. $100!)
This post may contain affiliate links. Read my disclosure policy here. Need a new jacket? This is a great deal on this Columbia Men’s Robinson Mountain Jacket for a GREAT price! Right now, Columbia has this Men’s Robinson Mountain Jacket for just $39.99 when you use the promo code SAVEONCOL at checkout (regularly $100)! And shipping is FREE if you’re a Columbia Rewards Member (it’s free to sign up)! Choose from three colors in sizes S through XXL. This is SUCH a great deal for Columbia brand! Thanks, Hip2Save! [...]
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Could you use an extra $50? (time sensitive)

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

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7 Debit Cards That’ll Give You Cash Back (and More!) for Swiping
Debit cards are popular. Like, really popular. Nearly 43% of adult Americans reported using debit cards as their main form of payment, according to a 2017 LendEDU study. And each year, people make billions (with a big ol’ b) of transactions using one. As a bonus, some debit cards offer rewards, similar to credit cards. So, if you’re one of the many using a debit card — or looking to upgrade yours — keep reading. We’ll explore why you might consider getting one, plus we’ll look at the best cards available today. Why Some Bank Debit Cards Don’t Offer Rewards (Anymore) After the 2008 financial crisis, the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law in 2010. The goal was to stabilize and reform the financial industry. Before it passed Congress, lawmakers added the Durbin Amendment — named after Sen. Dick Durbin of Illinois — to the act. This amendment was introduced to curb processing fees for debit card purchases. When you use a debit card to make a purchase, the merchant pays an interchange or swipe fee. This fee goes to the bank that issued the debit card. Banks said these fees covered the costs of providing debit cards and monitoring accounts for fraudulent activity. However, retailers argued they were too high. Before the act’s passage, retailers paid up to 44 cents per debit card transaction, according to Reuters, which made it difficult for some businesses to accept them. After Dodd-Frank passed, the cap fee was reduced to 21 cents. (It’s worth noting credit card interchange fees were not affected.) As a result, the financial incentive for banks to offer debit card rewards just isn’t what it used to be. Why You Should Consider a Debit Card That Offers Rewards Just because debit card rewards aren’t flowing like they used to doesn’t mean you shouldn’t keep your eyes peeled for them. Debit cards that offer rewards are appealing for a few reasons: Your bank may only charge a small — or no — monthly (or annual) fee to use it. They’re good if you want to monitor your spending and find credit cards too tempting. Since it’s money from your account, there’s no monthly balance owed or accumulated interest to worry about. The REWARDS: anything from cash back to points to discounts on qualified purchases. 7 Debit Cards That Offer Rewards (Plus a Bonus!) We picked several options that could work for you. 1. American Express Serve® Cash Back The American Express Serve Cash Back option is a prepaid debit card. (To be clear, it’s not connected to a checking account.) When shopping online or in stores, you can earn unlimited 1% cash back on your purchases. Bonus: The cash back is immediately available to use after you earn it. Other features include free ATM withdrawals at over 30,000 locations, fraud protection and 24/7 customer service. Card price: $0 online or $3.95 in stores Monthly or annual fee: $7.95 a month (no fee in Texas, New York or Vermont) 2. Bank of America BankAmeriDeals® Bank of America has a program called BankAmericaDeals for BoA card holders. Existing customers can log into online banking or use the mobile app to see available deals (for example, 15% cash back at Petco). You’ll earn cash back on these deals when they use an eligible BoA debit or credit card to make a purchase. You can also earn BankAmeriDeals Coins for qualifying purchases to earn more rewards. Other features include 24/7 account monitoring, fee-free BoA ATM usage and the ability to add your debit card to a digital wallet for easier checkout. Card price: $0 Monthly or annual fee: $0 3. Discover® Cashback Debit With Cashback Debit, users can earn 1% cash back on up to $3,000 in purchases per month. So, if you make $500 worth of purchases monthly with your debit card, you’ll earn back $5 a month, or $60 a year. Other features include 24/7 customer service and access to over 60,000 surcharge-free ATMs. Also, if you lose your debit card, Discover will replace it for free. Card price: $0 Monthly or annual fee: $0 4. Axos Bank CashBack Checking Axos offers CashBack Checking for customers who want to earn rewards with a debit card. You can earn up to 1% cash back on signature-based purchases (so, something routine like grocery shopping doesn’t count) and earn up to $2,000 cash back per month. However, you’ll also need to maintain a daily balance of $1,500 to earn the 1% cash back. Other features include reimbursement for over 60,000 ATMs worldwide, and no balance or activity requirements to maintain the account. Card price: $0 Monthly or annual fee: $0 5. PayPal Business Debit Mastercard® Once you activate the cash-back program, PayPal Business Debit Mastercard users can get unlimited 1% cash back on qualifying purchases. The cash back is added to your PayPal account each month. Note that business owners face a $1.50 domestic ATM usage fee, and have a daily limit of $3,000 in purchases and $400 in cash withdrawals. Other features include a free additional card for the account and no liability for unauthorized charges. Card price: $0 Monthly or annual fee: $0 6. Consumers Credit Union Rewards Checking CCU offers rewards in the form of annual percentage yield (APY). There are three rewards tiers with varying requirements to earn 3.09% APY, 4.09% APY or even 5.09% APY on account balances up to $10,000. For the first tier, you must make at least 12 debit card purchases that equal $100 or more a month as one of the qualifications, so you’ll need to be organized to reap these rewards. Other features include over 30,000 surcharge-free ATMs and no minimum balance requirement. Card price: $0 Monthly or annual fee: $0 7. Empower Empower is an app and bank account. You can get 1% cash back on the first $1,000 you spend per month with your debit card, earn 1.65% APY on your money and even snag cash back when you refer your friends. You’ll have access to over 25,000 fee-free ATMs and even get reimbursed for one out-of-network ATM use per month. You can fund your account in a number of ways, though it does not support cash or check deposits. Other features include no account fees or required minimum balances. Accounts are also FDIC-insured up to $250,000. Card price: $0 Monthly or annual fee: $0 Bonus: Your Local Credit Union Check out your neighborhood credit union for other reward-card options. Many institutions offer debit card rewards in the form of redeemable points or cash back. Some even allow you to support a local charity or cause if you choose to make a donation when you open an account. Contact your local credit union online or in person to see what costs and conditions may apply. Card price: Varies Monthly or annual fee: Varies FROM THE BANKING FORUM Social security Representative Payee bank account 9/26/19 @ 5:16 PM L How to find a checking account that displays scheduled transaction on account activinty view? 9/4/19 @ 2:05 PM ONLINE BANKS 8/26/19 @ 6:54 PM Best bank to use? 7/12/19 @ 2:52 PM See more in Banking or ask a money question What About Credit Card Rewards? When it comes to serious rewards, credit cards typically offer better ones — think, a higher percentage of cash back on purchases or larger sign-up cash bonus — and may provide perks such as price-matching and [...]
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Free Bic Pens at Target, plus more!

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Free Bic Pens at Target, plus more!
Headed to Target this week? Pick up some free Bic Pens! You can score some great deals on Bic Pens and Pencils at Target! Here’s how: Buy 1 BIC Xtra Life Stic Pens 10 ct – as low as $0.99 Use $1/1 Bic Manufacturer’s Coupon Target Circle offer Free after coupon Buy 1 Bic Mechanical Pencil Packs – as low as $2.29 Use $2/1 Bic Pencils Manufacturer’s Coupon Target Circle offer $0.29 after coupon Thanks, Kosher On A Budget! [...]
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Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck only $31.87 (Reg. $70!)

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Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck only $31.87 (Reg. $70!)
This post may contain affiliate links. Read my disclosure policy here. Here’s a great gift idea! This Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck is only $31.87 at Target! Target has this Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck for just $49.99 right now (regularly $69.99)! Plus, there is a 15% off Target Circle offer available. Even better, you can get 25% off one Toy, Kids Book, or Craft Activity Kit mobile coupon when you text TOY to 827438 – limit one. Check out this deal idea: Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck – $49.99 (regularly $69.99) Use the 15% off Fisher-Price Laugh and Learn Food Truck Circle offer Use your unique 25% off toy coupon Choose free in-store pickup $31.87 after coupons Thanks, Hip2Save! [...]
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Here’s How to Lower Some of the Costs of Raising School-Aged Kids

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Here’s How to Lower Some of the Costs of Raising School-Aged Kids
The first few years of parenthood can be a sleep-deprived, money-sucking blur. You’re constantly counting down to the next stage of child-rearing when you anticipate expenses to ease up. Like when you’re done with formula and diapers, and you don’t have to buy a new set of clothes every three months. Or when your kid’s in school and you can finally stop paying for full-time child care. But as you reach what you think is the light at the end of the tunnel, you come to realize that raising a school-aged kid doesn’t exactly come cheap either. These 13 money-saving strategies can provide some financial relief when it comes to your children’s expenses. 1. Don’t Overspend During Back-to-School Season According to the National Retail Federation, shopping for school expenses is the second-highest annual consumer event (only falling behind winter holiday spending). Save money by comparing prices, shopping at discount stores, buying in bulk and taking advantage of back-to-school sales tax holidays.  It’s also imperative to budget for back-to-school expenses ahead of time. Take inventory of what you have, make a list of the essentials and price items to establish a spending limit.  Pro Tip Set up a sinking fund to save money over several months. Temporary side gigs, picking up extra shifts or participating in a no-spend challenge can help you pad your savings. 2. Buy Zero-Waste Alternatives for Disposable Goods You Frequently Purchase If you’re buying hundreds of plastic sandwich bags and juice boxes that your kids just throw away at the end of lunch, try going zero-waste. You’ll save money in the long run purchasing reusable products — like a couple of washable containers and a Thermos — once and using them all year. 3. Throw Affordable Birthday Parties Celebrate your child’s birthday on a budget by sending out free electronic invites, choosing a cheap venue like a park and making your own cake and goodies. Streamlining your guest list will also help reduce costs. 4. Save Money on Extracurricular Activities Your kid might want to sign up for piano lessons, gymnastics and basketball, but the cost of after-school activities can take a chunk out of a parent’s budget.  Nail down your child’s interests to one or two activities and see if any local government or nonprofit agencies — like your school system or the Police Athletic League — offer programs at a lower rate than private organizations. See if you can get discounts for enrolling more than one child or referring your neighbors to enroll their kids. Cut travel costs by carpooling and equipment expenses by buying secondhand.  FROM THE SAVE MONEY FORUM Traveling All 50 States On a Budget 10/9/19 @ 8:40 PM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 12:24 PM Acorns 8/14/19 @ 6:00 PM See more in Save Money or ask a money question 5. Get Swim Lessons for Less Over 1,000 YMCA locations across the nation offer a program called Safety Around Water, which teaches kids about water safety and basic swimming instruction. Many branches have been able to offer these YMCA swim lessons program for free or reduced cost due to funding from the national organization or community fundraising efforts. Contact your local YMCA branch for more information. 6. DIY Your Kid’s Summer Camp Experience Paying weekly summer camp costs can be brutal. An alternate option? Form your own summer camp co-op.  Gather a bunch of parents together who can take turns playing camp counselor and watching the kids each week. Brainstorm low-cost activities to fill up the day, and collectively chip in for snacks and lunches. 7. Save Money on Your Next Trip to Disney For many parents, Disney is the big vacation mecca, but visiting Mickey and Minnie isn’t cheap. To save money at Disney World or visit Disneyland on a budget, find accommodations not associated with the park, make your own food and arrive at the park at least 30 minutes before gates open to avoid long lines and make the most of your day. Pro Tip Want to score a cheap Disney souvenir? Look for pressed penny machines, which turn your coins into theme-park memorabilia — usually for less than a dollar. 8. Don’t Blow Through Cash Entertaining the Kids The refrain of “I’m bored” grows old fast. This list of 100 free things to do — most of which are family friendly — is clutch when you need to fill time with something fun but don’t want to spend a bunch of money.  Host a game night or put on a talent show. Attend a local festival or pitch a tent at a free campsite. 9. Find Inexpensive Tutoring No one wants their child struggling in school, but tutors that charge upwards of $80 an hour can be tough for families to shoulder financially. Get low-cost or free tutoring online through sites like Khan Academy or by watching educational YouTube channels. Other ways to cut costs are asking your child’s teacher for help, seeing if there’s a peer tutoring program at school, checking for tutoring programs at your library or tapping into your social network for subject matter experts. 10. Eliminate Post-Holiday Gift-Giving Remorse Heed the four-gift rule. It conveniently rhymes so you’ll remember: Get one thing they want, one thing they need, one thing they’ll wear and something to read. Other tips to save money on Christmas shopping are shopping online, using money-saving apps like Stash or Acorns and snagging deals year round. Pro Tip Set up a Christmas savings plan months before Dec. 25. Figure out how much you plan to spend and divide that amount by how many weeks you have left to shop to come up with your weekly savings goal. 11. Learn How to Take Professional-Quality Photos Go the DIY approach to avoid paying for pricy photo packages. Some professional photo tips one photographer (and mom of two) shared with us are to take advantage of the best natural light, find a good outdoor location and get multiple shots.  12. Be Frugal About Buying Clothes Host clothing swaps with other families in your neighborhood, repurpose old clothes as pajamas, shop at consignment stores and borrow one-time-use outfits. You can also ask family and friends to give clothes rather than toys as birthday gifts to save money on kids’ clothing. 13. Just Say No to Your Kids Sometimes you’ve got to lay down the hammer. Maybe after denying their requests a couple dozen times, they’ll stop bugging you to buy candy and toys at the register. According to psychologists, saying no to your kids can actually benefit your children by helping them grow to be better money managers. 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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Target: Free Shipping On All Online Holiday Orders!

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Target: Free Shipping On All Online Holiday Orders!
This post may contain affiliate links. Read my disclosure policy here. Woohoo! Target is once again offering FREE shipping this holiday season! Starting November 1st, you’ll be able to get FREE shipping on any Target online orders — no minimum purchase required! (Go HERE for the press release!) No promo code is needed for this deal. Just buy anything online and you’ll get automatic FREE shipping — including Black Friday and holiday season purchases. This is a great deal, because you usually have to make a $25 minimum purchase in order to get free shipping. And not only that, many of the shipments will get to you as soon as the next day after your order is placed! Looks like lots of competition for Amazon again this holiday season. Valid through December 21, 2019. [...]
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Insurance- not all fun and game theory

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Insurance- not all fun and game theory
Economic game theory has resided at the core of insurance underwriting for some time but might be losing its luster through the advent of price aggregators. ‘Gamification’ through behavioral economics is gaining traction concurrently in the industry, that is, devising schemes to engage insureds more often with their policy than simply at annual renewal.  More […] The post Insurance- not all fun and game theory appeared first on Daily Fintech. [...]
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Bruno Marc Men’s Suede Leather Oxford Classic Dress Shoes only $12.80!

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Bruno Marc Men’s Suede Leather Oxford Classic Dress Shoes only $12.80!
This post may contain affiliate links. Read my disclosure policy here. Wow! Grab these highly rated Bruno Marc Men’s Suede Leather Oxford Classic Dress Shoes for a GREAT price! Amazon has these Bruno Marc Men’s Suede Leather Oxford Classic Dress Shoes for just $12.80 right now! Please note that the price will not drop until checkout. There are lots of colors and sizes to choose from – but hurry, these are selling quickly. These shoes have amazing reviews. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. [...]
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How to Make Money Selling eBooks (free online class!)

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How to Make Money Selling eBooks (free online class!)
Have you ever thought about writing and selling an ebook? If you’ve always wondered how people actually make money doing this and if it’s something you could do, too, I want to invite you to next week’s online class I’m co-hosting with best-selling eBook author, Kelly McNelis. She’s going to share how she went from making a mere $100 per year selling eBooks to making over $100,000 per year selling eBooks…all while working less than 10 hours a week! Plus, she’s going to teach you how you can do this, too! You’ll learn how to stand out from the crowd, serve your audience, and sell more eBooks in an authentic way. The Class is Completely FREE! Best of all, this class is completely free! To sign up, just go here and type in your name and email address and you’ll be registered! The class will be Wednesday, October 23, 2019 at 12 p.m. CT/1 p.m. EST. It will be one hour long, with time at the end for you to ask questions! Yes, I want to sign up for the free ebook class! I’m so excited to get to learn from Kelly and be inspired by her story and practical advice and ideas. P.S. Can’t make the class live? Just click her to register and Kelly will send you a link to the replay after the class is finished. photo credit [...]
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30 Super Easy Ways to Save Money

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30 Super Easy Ways to Save Money
Want some easy ways to save money? Here are 30 easy ways to save money submitted by my Facebook followers. How many of these do you currently do? 30 Super Easy Ways to Save Money 1. Set up auto deposit to a bank that is hard to access. Susan suggested: “Auto deposit to a bank you don’t have easy access to. I use our local credit union that is only open 9-3. While I’m working.” Rachel says: “This is how I saved enough money to buy my first home outright. Lived on one check and sent the next 2 to a bank I didn’t have easy access too. (I had an account at a credit union 3 hours away so it was definitely a job to get the money out.)” Kim says: “I automatically have money transferred into a savings account before I even see it from my check.” 2. Ask some questions before making a purchase. Kelley says: “I ask myself more than once before making a purchase, ‘Do I really need this and will this make me happier a year from now?’ Pretty much stops me in my tracks most of the time!” 3. Take advantage of free family fun! Lacy suggested: “We like to do outdoors activities and nature adventures as a family instead of dining out and shopping as ‘something to do’ as our family time.” 4. Cook and eat at home. Hope says: “Cooking all our meals at home and making my own coffee drinks is enabling me to stay home.” Moni also said: “Cooking homemade food and eating at home saves us a lot of money. My hubby also saves a ton of money each week bringing lunches and eating breakfast before he goes to work in the morning. Also coffee! Brewing our own saves as much as not getting food out!” 5. Shop at thrift stores. Rachel says: “Shop at salvage stores and thrift stores.” 6. Record every purchase. Shannon says: “Recording every purchase (yes, even things like a vending purchase!) in our budget spreadsheets helps us track categorized expenses and make sure we are staying within budget.” 7. Cancel your catalogs and unsubscribe from emails. Jennifer says: “Limiting my exposure to beautiful things by canceling all the pretty catalogs and email blasts from the same stores is an easy way to save money.” 8. Cut your cable. Rachel says: “Cut off your cable! Wish I had done it months ago!” Laura also said: “We just did this, too! It’s saving us $65/month.” 9. Set a goal. Tammy says: “When I have a goal set (usually travel), I can save money very easily. I have no problem not spending unnecessarily. No goal = I buy things I DO NOT need.” 10. Do it yourself! Rachael says: “Easy ways we save money: Making my own DIY face/skin/cleaning products, canning, freezing, gardening, making our own wine, cutting my daughter’s hair, and doing handmade/homemade Christmas/birthday gifts!” 11. Only buy groceries on sale with coupons. Valeria says: “Only buy groceries when on sale, using coupons and app rebates. Plus, purchase enough to get you to the next sale of that item.” 12. Order groceries online. Edith says: “I save money by ordering groceries online. It keeps me out of the store and eliminates impulse shopping. I make my list at home, do the order, and pick it up outside the store.” 13. Stock up when an item is on sale. Keiva says: “I use coupons with sales to buy more than we need at the time so it’s available to us when it’s not on sale. Also, stock up on sale items. This week, our grocery has Mott’s Apple juice 64oz. for $1. I’ll buy 40. With 6 kids, it goes quickly! They also have Peter Pan PB for $1, so I’ll buy about 20. I’ll be set for the next 6 months!” 14. Get rid of expensive habits. Tiffany says: “Get rid of habits that cost money. I gave up coffee and tea a long time ago. Started saving me $15 to $25 a week. I stopped buying books unless they are $1 or less and just reserve books at a library.” 15. Cut your hair at home. Barbie says: “Doing my husband’s and sons’ haircuts myself. My husband and older son only take about 10 minutes a piece. My younger son takes twice as long because he fidgets. I still figure I save on time by not going to a barber shop, and I save $60-ish every round of haircuts. My boys think going to a barber shop is quite the treat!” 16. Don’t buy it if you don’t need it! Tosha says: “Remembering that just because it’s posted on MSM or another blog doesn’t mean I need to buy it! If I don’t need it and I buy it because it’s on sale, I’ve spent money I didn’t need to spend.” 17. Stay out of Target. Sandra says: “Staying out of Target and buying necessities on Amazon is an easy way to save money.” 18. Don’t shop without a list. Oghma: “I don’t go inside a store until I have a list. Also, don’t shop just one item and then feel like you need to buy other things so the trip is ‘worth it’.” 19. Use a wood burning fireplace. Holly says: “We bought a wood burning fireplace insert to save money. We’ve gotten firewood free but when we’ve bought it, the wood was still 1/3 the price of natural gas. Also, when we had a natural gas outage, we had no power but we still had heat.” 20. Use Rakuten to earn cash back. Michele says: “We save money by using eBates when online shopping (now known as Rakuten). In the years I’ve been using it, I’ve gotten almost $1,000 back. They send you a check every three months. I never order anything without checking to see if the website is on eBates first.” 21. Get a 15-year mortgage instead of a 30-year. Melisa says: “We have a 15-year mortgage instead of a 30-year mortgage. Yes, monthly payment is higher, but not double. Plus, it’s going to save us $112,000 in interest on a $290,000 home.” 22. Use your local library. Patricia says: “We utilize every aspect of our local library. DVDs, audiobooks, reading programs with prizes, free events for kids, game night, kid computer games, online library for ebooks, etc.” 23. Pack food before you leave. Bethany says: “We save money by packing lunch/dinner if we go out, bringing coffee along for the ride, and eating before we leave!” 24. Don’t buy beverages! Robin says: “We don’t drink pop and we don’t buy beverages when we are out and about. Bottled water is also a no-no. I can fill a bottle at home real cheap.” 25. Watch the prices as they are scanned. Beverly says: “I watch the prices as items are scanned in at the register. I save often by catching an accidental higher price being scanned in. Also, 2 main stores I shop at offer a price scan policy. If it scans in wrong, you get one free if it’s under $10. Or, you get $10 off if it’s over $10.” 26. Don’t buy things the same day. Betsy says: “I take pictures of things I like at stores like Target and don’t buy them the same day. Sometimes I do this and then find something similar at the thrift stores.” 27. Plan your menu based upon what you already have. Elizabeth says: “When I’m meal planning, I shop my pantry and freezer first and try to utilize what I have and not let things go to waste.” 28. Don’t shop just to kill time. Andrea says: “Don’t go shopping just to fill time. If I go wandering because I’m bored, I will find things to buy. I’m trying to simplify and save money for adventures instead of ‘stuff’ for my little one and me.” 29. Ditch your clothes dryer. Tricia says: “I save money by hanging all my clothes to dry instead of using a dryer.” 30. Don’t buy it just because you want it. Jennifer says: “I’m learning to be an adult and understand that I don’t HAVE TO buy everything I want.” What are some of yo [...]
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Walgreens: Buy One, Get One Free Coca-Cola e-coupon

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Walgreens: Buy One, Get One Free Coca-Cola e-coupon
Be sure to load this e-coupon for Coca-Cola! Walgreens has a new e-coupon valid for a Buy One, Get One Free Coca-Cola (20 oz)! Valid through October 18, 2019. Thanks, Hip2Save! [...]
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Shop Your Closet to Find 7 Last-Minute Halloween Costumes (For Free!)

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Shop Your Closet to Find 7 Last-Minute Halloween Costumes (For Free!)
Costume parties in and of themselves seem like a great idea. That is, until you realize that you’re about to spend $50+ and countless hours putting together an outfit you’ll wear once before shoving it deep under the bed with the rest of your one-hit-wonder Halloween ensembles. And while I always try to be frugal (because despite my over-the-top holiday enthusiasm, I’m still a Penny Hoarder at heart), I’m also pretty lazy when it comes to Halloween costumes. I always think I’m going to go all out and DIY my costume, but then every year, without fail, I end up running to the store at the last minute and spending a lot of money. There has to be a better way to go about this whole costume business — a way that, ideally, won’t cost any money at all.   7 Last-Minute Halloween Costumes You Can Make at Home If your aim is to wear a completely free (we like free!) costume on Halloween, start with your closet. Chances are you already have a few costume pieces lurking in the dark recesses of your wardrobe. I mean, there’s gotta be a reason you didn’t throw out that Hawaiian print shirt from the summer of ‘92 yet, right?! I started brainstorming and managed to put together seven great options that I could wear to a Halloween costume party — using only things I already owned. 1. Tourist This one might be the easiest costume on this list to pull off. I mean, who among us doesn’t have a pair of shorts, a brightly colored shirt and some tacky socks you can pair with sandals? Slap on a straw hat or visor and some sunglasses and grab a camera or a map and you’re ready to go. A sunscreened nose will only make your costume more realistic (although a little messy). 2. Fortune Teller For this one, you’ll need drapey, flowy clothing, a scarf or headband and lots of stacked jewelry (never enough jewelry). If you’re not totally convinced that your costume is convincing, carry around a prop like a Magic Eight Ball (or a plain glass orb, if you just so happen to have one lying around) and make vague but ominous statements all night about how your friends’ Mondays will go. 3. Minion Overalls were like the parachute pants of 2017: You either own three pairs already, or you’re desperately looking for an excuse to add them to your closet. Add in a yellow shirt (any shade will get the point across), black shoes and gloves and a pair of round glasses or goggles (find an awesome DIY tutorial here), and you’re all set to annoy the living daylights out of everyone at the party. 4. Pinup Girl High-waisted shorts + a button-down shirt + wedges + red lipstick + bandana = perfect pinup girl. Follow a YouTube tutorial like this one to achieve that flawless pinup hair curl (I promise, it’s actually so much easier than it looks), and you’re ready to make old-fashioned gentlemen swoon. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 12:24 PM Traveling All 50 States On a Budget 10/9/19 @ 8:40 PM Acorns 8/14/19 @ 6:00 PM See more in Save Money or ask a money question 5. Witch This costume is less classic witch and more witchy-esque. I mean, does anyone just casually own a pointy hat? No matter: Throw on lots of black layers, add some dramatic makeup, frizz up your hair and add some drippy black jewelry and no one will even question your costume (mostly out of fear). Bonus points if you’re willing to carry a broom around all night. 6. Zombie This one doesn’t take a lot of… wait for it… brains to figure out. (I know, I know. I already docked myself three whole funny points.) But seriously, all you need is holey, grungy clothes: ripped jeans, an old work shirt, a plaid button-up and a pair of dirty sneakers. This will either read as zombie or “midnight Taco Bell run” depending on how you accessorize — which is why you can’t skip the makeup. Use dark eyeshadow around your eyes and under your cheeks, rat your hair and add some twigs and leaves and you’re good to go. 7. Greaser This one’s a classic, and honestly if you try to tell me you don’t own a white T-shirt and leggings or jeans, I won’t believe you. Tie a scarf around your neck, slip on a pair of sneakers or wedges, throw a jacket (denim, leather or bomber) over your shoulder and you’re good to go. Bonus: This one makes for an excellent couples costume, too. Trick or Treat! Assuming you own at least a pair of jeans and some dark makeup, I’d say we’ve just about solved your last-minute costume woes. Now you officially have no excuse for not showing up to the party in a costume that could shock Frankenstein’s monster to life. Grace Schweizer is an email content writer at The Penny Hoarder. She’s just trying to figure out if there’s a way to combine all her best costume ideas into one. Is there such a thing as a fortuwitcheaserpinuzombieist? 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 Finally Break Free from Anxiety & Stress

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How to Finally Break Free from Anxiety & Stress
Need some practical encouragement to move past anxiety, stress, and survival mode? Longing for life of more wholeness? Don’t miss this episode with Aundi Kolber! Missed previous episodes of The Crystal Paine show? You can listen to them here. Okay, I know I’ve said this before about other episodes, but I truly think today’s episode was one of my very favorite podcast recordings to date! Maybe it had something to do with the fact that Aundi Kolber is a therapist and I felt like I got a therapy session just by spending an hour with her?! 🙂 Listen in to the episode and you’ll see what I mean. Aundi has a gift of sharing so eloquently and yet also in such a heartfelt manner. She just exudes such peace and calmness, but also such profound wisdom and understanding of how we are wired. In this episode, we not only talk about what’s saving our lives (I had to laugh that she talked about something related to brain science and I talk about leggings!) and the books we’re reading, but then we dive into some deep heart topics. She shares what it means to Try Softer (the title of her new book), the difference between Big T trauma and little t trauma and how we might be experiencing the aftershocks of little t trauma without even realizing it and this might be at the root of our stress, anxiety, and overwhelm. Aundi explains thoroughly how the body processes pain — whether physical or emotional. And she provides very concrete suggestions and ideas for how we can start to take steps toward more healing and wholeness. Whether you feel stressed, anxious, and overwhelmed or whether you know someone who does, this conversation is highly important and one that you do not want to miss. I have thought of it over and over again since we recorded last week and will be taking so many nuggets of truth from it to apply to my everyday life. In This Episode:  [00:25] Welcome back! I am so excited to have Aundi Kolber on the show! [01:06] Aundi shares about a little about her background and family [03:43] Meaningful walks are saving Aundi’s life — and the brain science she shares here is fascinating! And then, to keep things a little more down to earth (!), I talk about my new favorite leggings. [09:25] We discuss our current reads, including one written by a therapist and a novel I finished last week.  [13:08] Why did Aundi write Try Softer? (I loved that she wrote it as a love letter to her younger self!) [17:20] We talk about the stigma surrounding the word “trauma” and why it’s important to understand if you’ve experienced little t trauma. [19:27] How can you tell if you’re holding onto the pain of the past and how does it show up in your life? [23:50] What does it mean to “try softer” and how can we apply this in our every day lives? [27:37] Aundi shares practical first steps for beginning to break free from stress, anxiety, and survival mode — even if you feel so stuck and overwhelmed that you don’t know how to take the first step! Links and Resources: Try Softer by Aundi Kolber Aundi’s Website My New Favorite Leggings Maybe You Should Talk to Someone by Lori Gottlieb (Note: Aundi wrote me a few days after the interview to say that she would give a language warning with this book. She said it didn’t show up until the later parts of the book which she hadn’t read yet when we did this interview.) Boundaries for Your Soul by Allison Cook and Kimberly Miller The Printed Letter Bookshop by Katherine Reay Dear Mr. Knightley by Katherine Reay Aundi on Facebook Aundi on Twitter 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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Lower Your Home Improvement Budget with These Tips to Save at Lowe’s

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Lower Your Home Improvement Budget with These Tips to Save at Lowe’s
Home improvement projects are never as simple as you initially imagine. Each time you run into a problem, need more supplies or have to outsource labor, the price goes up and up. You need all the savings you can get. Before your next visit to Lowe’s, try one of these 18 tips and tricks to save money. How to Save Money at Lowe’s Lowe’s slogan is, “Do it right for less.” Read these savings strategies before you shop. 1. Be aware of the current sales promotions. Lowe’s has a savings section of its website that shares the latest deals. Flip through the weekly sales ad and make sure to check out what’s on clearance. When you’re in the store, keep your eye out for yellow tags that indicate marked-down prices. 2. Download the Lowe’s app. The app, which is available to download for free on Google Play or the App Store, helps shoppers compare prices, check availability, read product reviews, watch DIY videos and more. 3. Sign up to receive Lowe’s emails. You’ll find exclusive offers and sales promotions in your email, plus the weekly ad, DIY tips and sneak peeks of upcoming in-store events. Register for emails by clicking the link at the bottom right side of Lowe’s homepage. You can also sign up for mobile alerts for savings opportunities. 4. Sign up for a MyLowe’s account. You may not benefit from direct savings from your MyLowe’s account, but you’ll be able to keep track of past purchases with this tool. Having that knowledge comes in handy when you’re shopping for replacement tiles or the same shade of paint you bought two years ago. 5. Use the price match guarantee. If you find another retailer selling the same product for less, Lowe’s will match that price. If you’re comparing prices to an online retailer, you must factor in the cost of shipping and handling. Lowe’s also has a price protection policy, which means if there’s a difference between Lowe’s in-store price and online price, you pay the lesser of the two. 6. Take advantage of free shipping and delivery. Lowe’s offers free shipping on qualifying online orders of $45 or more, or you can choose to have it shipped to your nearest store for self pick-up for free. The retailer also offers free delivery and connection for major appliances (like washers and dryers) as long as you’ve purchased new connectors (like your dryer vent) from Lowe’s. 7. Use Lowe’s Advantage credit card to save 5% off everyday purchases. If you buy something over $299, you may be eligible for six months of no-interest financing. There’s also low-interest financing for orders over $2,000. Lowe’s has a payment calculator so credit card holders can figure out their monthly payments. 8. Take advantage of Lowe’s military discount. Active military personnel and retired veterans can save 10% off eligible purchases every day. Another bonus: Lowe’s has special priority parking spaces for vets. 9. Purchase a discounted gift card. Sites like Raise, CardCookie and Gift Card Granny sell Lowe’s gift cards for slightly less than the card’s value — meaning more savings for you. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 12:24 PM Traveling All 50 States On a Budget 10/9/19 @ 8:40 PM Acorns 8/14/19 @ 6:00 PM See more in Save Money or ask a money question 10. Check for rebate offers. Visit Lowe’s online rebate center to see if a recent purchase or an item you’re considering buying comes with a rebate. You can submit your rebate online and check the status of when you can expect your money to arrive. 11. Use coupons and promo codes from sites like RetailMeNot, CouponCabin or Groupon. Some store managers may accept coupons from competitors like The Home Depot, but that’s not a company-wide policy. You also might find coupons for Lowe’s in the moving package when you change your address at the post office. 12. Know the right time to shop. You’ll find major sales around Memorial Day, Independence Day, Labor Day, Black Friday and Christmas. Lowe’s also has a big sale in late March or early April called Spring Black Friday. A few times a year, the retailer holds special sidewalk sales where you can find substantial deals. If you’re shopping for a specific item — like tools, a grill or patio furniture — our guide on the best time to buy anything can help. 13. Ask for a lower price for damaged or used goods. Put your haggling skills to use to negotiate deals for a floor model or items that may be slightly damaged or worn. Lowe’s will often discount paint that was returned from another customer or scraps of lumber left over from cutting a piece for someone else. You may also find deals on wilting plants that need a bit of reviving. 14. Exchange dying plants for new ones. Lowe’s has a one-year plant guarantee. You can get a replacement plant if its perennials, shrubs or trees don’t make it through the first year. Just bring in the drooping plant and your receipt for an exchange. 15. Learn DIY skills for free. Check out Lowe’s How-To Library to learn how to tackle small projects so you don’t have to pay a professional for the cost of labor. The store also shares gardening tips if you don’t have room in your budget for a landscaper. You can watch Lowe’s YouTube channel where new DIY videos are regularly posted. 16. Occupy the kids with a free craft project. Children can participate in free crafts projects through Lowe’s Build and Grow program. This program is currently only available at store locations near Charlotte, Nashville and Seattle, but the company plans to expand it nationwide. 17. Buy in bulk. Lowe’s has special deals for contractors who buy materials and supplies in bulk. However, you don’t have to be a licensed professional to benefit. Ask for the bulk-price deal if you’re doing a major home renovation that calls for buying a lot of the same product. 18. Get free design advice. If you need advice for your remodel, get assistance from store technicians at the service desk or use the virtual room designer tool. Bonus Savings Tip: If you’re a Lowe’s employee, you can get up to $2,500 to become certified in a trade (such as carpentry or plumbing) as a part of the company’s Track to the Trades program. 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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How to Save Money on Groceries When You Only Eat Whole Foods

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How to Save Money on Groceries When You Only Eat Whole Foods
Is it possible to save money on groceries if you only eat whole foods? In this post, I give some of my best tips and encouragement for how to keep your grocery budget low, even if you only eat whole foods. I have been scouring the internet for easy, budget friendly meals for those on a strict diet. Over a year ago my health was a mess and we figured out my body has a sensitivity to toxins in the environment, particularly from plastic, treated water, and also chemicals used on food. I found I feel so much better when eating whole, organic foods and organic meats. However this shot our grocery budget up to a crazy high amount. We live in a sparsely populated area in the midwest, one stoplight in our whole county. Healthy food is not cheap. I am desperate for ideas on how to have a “beans and rice” budget but not sacrifice the progress I have made in my health. I would love to hear insight on this. Thanks and God bless your journey! -Kristy First off, Kristy, I just want to encourage you to know that you are not alone. I have heard from many other women who are in similar situations. And I’ve also seen many women who have found very creative ways to eat very healthfully on a tight budget. One of my local friends, Cheapskate Cook, is a fantastic resource for how to eat healthfully on a budget. She constantly inspires me with her outside-the-box ideas! I also wanted to share some other strategies and suggestions that might help you in your journey: 1. Have a can do attitude. The first step to lowering your budget is believing that you can. If you think you can’t, you probably won’t be able to. But if you believe you can, you’ll likely be motivated to figure out creative ways to make it happen. When there is a will, there is usually a way. 2.  Cut your budget in other areas. Now, that said, I’m not saying you should be unrealistic or put undue pressure on yourself. Don’t compare yourself to other people or other budgets. Also, realize that getting creative could mean choosing to cut back in other budget categories in order to give you more wiggle room in your grocery budget. For instance, maybe your family choose to drive an older car and not go on vacations and live in a smaller home in order to free up extra money for your grocery budget. Everyone has different priorities and it’s okay if your priorities are very different from another family’s priorities. 3. Buy in bulk. Research all of the local farms in your area to see which ones would be willing to sell to the public. Could you drive an hour or two to buy half a cow and save $1 or $2/lb.? Are there any orchards or farms nearby that would be willing to sell you their produce “seconds” for less? Sure, it might not be as pretty as full-priced product, but they will taste just as good! What about stores that are within a 50-mile radius of your home that might offer organic items and would give you a discount if you were to purchase in bulk? Also,  check to see if Azure Standard delivers in your area. If not, could you start a group so that they will come to your area? 4. Grow your own. One of the best ways to save on produce is to grow your own. If you have kids, make it a family affair. Challenge yourself to see how much of what you usually buy at the store can be grown or made yourself! 5. Look into online options. There are so many great online options nowadays that offer great deals on natural and organic products. Grove.co, Amazon, and Vitacost are a few of my favorite sites. But I’m sure if you start looking, there are many others, too! Tip: Type in the price point you want to pay for items you routinely buy from Amazon.com at CamelCamelCamel.com and they’ll send you an alert when the price goes under that amount! What others ideas do the rest of you have for Kristy? I’d love to hear in the comments! More posts to check out: 10 Ways to Afford Organic Foods on a Tight Budget How to Eat Well on a $40 Grocery Budget Going Vegan on a Budget photo credit [...]
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Up to 60% off DC Shoes for the Family + Free Shipping!

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Up to 60% off DC Shoes for the Family + Free Shipping!
This post may contain affiliate links. Read my disclosure policy here. Need new shoes? You can get up to 60% off DC Shoes plus free shipping right now! Right now, DCShoes.com is offering up to 50% off select sneakers and apparel for the whole family! Plus, you can get an extra 40% off when you use the promo code FALL40 at checkout! Even better, shipping is free for DC Shoes BoardRiders Club members (free to join). Here are some deal ideas… DC Men’s Anvil TX Shoes in Red/Black – $33.99 (regularly $55) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $20.39 shipped after promo code DC Men’s Heathrow Vulc Shoes – $35.99 (regularly $70) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $21.59 shipped after promo code DC Women’s Kalis Lite Shoes in Grey – $45.99 (regularly $75) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $27.59 shipped after promo code DC Women’s E.Tribeka SE Shoes in Metallic Silver – $38.99 (regularly $95) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $23.39 shipped after promo code DC Kids’ Trase TX Shoes in Red – $30.99 (regularly $50) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $18.59 shipped after promo code DC Kids’ Trase V SE Shoes in Pink – $36.99 (regularly $60) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $22.19 shipped after promo code Valid through October 31, 2019. Thanks, Hip2Save! [...]
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How Teachers, Cops, Firefighters and EMTs Can Buy a Home for 50% Off

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How Teachers, Cops, Firefighters and EMTs Can Buy a Home for 50% Off
If you’re a teacher, firefighter, law enforcement officer or EMT, you definitely know a thing or two about hard work. But as challenging as your position is, hopefully you also consider it rewarding: You’re performing an invaluable public service. It turns out, it’s not entirely impossible to put a monetary value on the work you do. Thanks to the HUD Good Neighbor Next Door program, you could receive a 50% discount off the list price of your next home purchase, provided that you and the property meet several requirements. Here’s what you need to know about this one-of-a-kind opportunity. HUD’s Good Neighbor Next Door Program: How Does It Work? Half off the purchase of a home is a big deal, so it’s not surprising that there are some restrictions. Here’s how it works. To qualify for the Good Neighbor Next Door Program, you must be one of the following: A law enforcement officer employed full time by a federal, state, local or tribal government agency. A K-12 teacher employed full time by a state-accredited public or private school serving students who reside in the area where the purchase home is located. A firefighter or emergency medical technician (EMT) employed full time by a fire department or emergency medical services responder unit of the federal, state, local or tribal government serving the area where the home you’re purchasing is located. Once you know that you’re qualified, it’s time to find a qualified home. The property must be a single-family house, condo or townhouse located in one of the program’s designated “revitalization areas,” which are authorized by Congress for the deal based on criteria like level of homeownership, foreclosure rate and householder income. This is where you may be raising your eyebrows, we realize. Exactly what kind of “revitalization” are these areas in need of? In short, is your new home going to be in a place you actually want to live? Anna DeSimone, a long-time industry professional and award-winning housing finance author, suggests consumers save their skepticism. HUD owns “thousands and thousands” of properties, she says, many of which are in very attractive neighborhoods. “You might go and see one house boarded up, but everything else is pristine,” she said.  In other words, while it’s important to check out the property in person and get a professional inspection, this deal can often be a total steal. Eligible homes are owned by HUD and listed for sale exclusively through the program for seven days. You can find them by using this online tool, which works in much the same way other popular real estate search platforms do, displaying photos, details, and the asking price along with the full property address.  Just one thing: Be sure you’re looking in the same geographical location where you’re planning to work, advises DeSimone. Bringing public servants to the area is the whole point of the program — hence the name. FROM THE HOME BUYING FORUM 3rd Kid Coming; Should I buy a bigger home? 10/8/19 @ 8:42 PM 1 to buy or to rent? 9/12/19 @ 7:59 PM O 401k Loan 7/29/19 @ 2:35 PM B Knowledge Is Important When Buying A Home 7/22/19 @ 1:18 PM See more in Home Buying or ask a money question Purchasing a Home Through the Good Neighbor Next Door Program Let’s say you find your dream home available for half off . What comes next? When you purchase a home through the Good Neighbor Next Door program, you’ve got plenty of funding options. You can pay in cash — an often-out-of-reach option the 50% discount may just bring to the table. Otherwise, you can apply for a conventional, FHA loan or VA mortgage, and you can even use down payment assistance funds, as well.  You will, however, be required to put down 1% of the list price as an “earnest money deposit,” which is cash that must come out of pocket. That said, these homes are selling for about $80,000 on average, said DeSimone, so you’re only looking at a cost of about $800 — and no more than $2,000, per the program’s stated rules. (The minimum earnest money deposit for a HUD home is $500.) You’ll also be required to live in the home for three years, and your residency will be confirmed each year by mail. After this three-year period, you’re free to sell the house if you wish, and keep any equity or appreciation you earn in the bargain. One important caveat: As a failsafe for the three-year residency requirement, Good Neighbor Next Door buyers are required to sign a second mortgage in the amount of the discount they receive — which is, in a half-off deal, equivalent to the purchase price of the house. This “silent” second mortgage doesn’t require any payments or accrue any interest, and it’s dissolved so long as you meet the three-year residency requirement. Is the Good Neighbor Next Door Program Worth It? Like any incentive program, the Good Neighbor Next Door program can be immensely helpful for those who qualify… but it’s not for everyone.  That said, there are plenty of other options available to homebuyers of all backgrounds and experience levels.  For instance, many states offer special homebuyer assistance to veterans, target-area buyers and other select demographic groups, often including public servants. (Here’s a great resource to find out what’s available where you live.) And if you’re a first-time buyer, there are even more options out there to help you get set up. (Psst: Here’s a pretty thorough beginner’s guide.) Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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5 Types of Car Insurance Coverage That May Be a Waste of Money

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5 Types of Car Insurance Coverage That May Be a Waste of Money
The cost of owning a car goes well beyond the sticker price at the dealership. There are fuel costs, routine maintenance and, of course, car insurance.  The seemingly endless options for car insurance can be overwhelming, so many drivers end up opting for coverage they don’t actually need. Liability coverage is the most basic form of car insurance and is absolutely necessary. Should you be deemed at fault for an accident, liability coverage will take care of the medical costs for other people injured and costs of repairs for other vehicles — but not yours. Some states require additional types of coverage beyond liability.  However, there are certain types of coverage that you can and potentially should opt out of, depending on the value of your car, your current finances, your health insurance policy and more. So what types of car insurance can you skip?  1. Do I Need Collision Insurance and Comprehensive Coverage? When to Skip Collision insurance covers damage to your car in the event of an accident, whether you were at fault or not.  Comprehensive instead covers damage to your car outside of an accident, like flood damage due to a hurricane, vandalism, theft or fire.  If your car is worth a lot of money, you should absolutely carry these coverages, and if your car is financed, your lender may require you to. But you may be wondering: Do I need collision insurance, especially if my car is old? If your car is old or you paid a small amount of cash for a used car that may only last for a few months, you’d be wasting your money to get collision and comprehensive. “Your reward is diminished greatly once your vehicle has depreciated over the course of time,” said Melanie Musson, insurance writer for CarInsuranceComparison.com. “So, if you’re paying monthly for coverage that’s going to provide you with minimal payment should you total your vehicle, and then you’ll face higher rates after making a claim, it’s just not worth it.” One caveat: Be prepared to pay out of pocket to fix the car or, more likely, to purchase a replacement vehicle. But if your vehicle is only valued at $1,000, it may be better to put money each month into savings for a replacement vehicle than to shell out money for coverage on that low-value vehicle. Chris Tepedino, also of CarInsuranceComparison.com, warns that bundling uninsured motorist and collision is often a mistake.  “Uninsured motorist protects your car if it’s hit by someone who doesn’t have insurance,” he said. “Collision, well, protects your car. Don’t be suckered into thinking you have to buy both. Overlapping generally doesn’t help.” 2. GAP Insurance: It Depends on Your Down Payment Vehicle depreciation can be a major detriment to your finances, especially if you wreck your vehicle shortly after financing it.  Because a car loses about 20% of its value when you drive it off the lot, insurance will only cover 80% of the initial sticker price should you get in an accident on your way home. That means you will be responsible for the other 20%. With the average new vehicle costing $37,401, that could mean you lose out on nearly $7,500. That’s where gap insurance (guaranteed asset protection) comes in, covering the difference between what you paid for a new car and how much your regular insurance is willing to pay for the totaled vehicle. But depending on how much you put down for the car versus how much you financed and how much that car is worth, you might not need gap insurance. “Gap coverage isn’t necessary if you’re able to financially handle the risk of paying the difference between what you owe and what your vehicle is worth when you’re upside down on a vehicle loan,” Musson said. “If you make a 20% or greater down payment, your risk for needing the coverage is greatly lowered, and you may be able to forgo that coverage.” Similarly, you don’t need gap coverage if you’ve paid off your vehicle or if you purchase an old vehicle that won’t depreciate as quickly, Tepedino said. FROM THE INSURANCE FORUM Self Employed Medical Insurance 10/12/19 @ 10:52 AM Car Insurance 9/28/19 @ 7:33 AM Total loss valuation 9/16/19 @ 10:40 AM What happens to my FSA if I leave a job? 8/5/19 @ 9:37 AM I See more in Insurance or ask a money question 3. Rental Car Reimbursement: Probably Not Worth It A luxury option you can add to your policy is rental car reimbursement. If your vehicle is damaged and must be repaired, this coverage gets you a rental car to use while your vehicle is out of commission. However, the cost of paying for this each month would likely exceed the cost of a rental vehicle, unless you crash frequently or need a rental for multiple weeks.  Even then, you may be better off relying on friends and family for temporary transportation, if possible. If you live in a two-vehicle household, consider getting by on one vehicle temporarily instead of opting for this coverage. 4. Roadside Assistance: Check Your Warranty First Similarly, you can opt for roadside assistance for help with jump-starts, flat tires and more serious problems that leave you stranded. However, many new cars come with roadside assistance, often throughout the length of the warranty. “You can skip roadside assistance, as long as you realize you’ll have to pay for a tow out of pocket,” Musson said. “You may even be able to find it cheaper from AAA or a similar service.” If you live paycheck to paycheck, this additional insurance expense is one to avoid. 5. MedPay: Depends on Your Health Insurance Medical payments coverage, also known as MedPay, is an optional coverage that assists with medical expenses after an accident. However, if you have decent health insurance, you can likely skip this coverage. Want to Save Money on Car Insurance? Proceed With Caution The cost of your insurance is proportional to the deductible and coverage limits you choose. The lower your deductible and higher your coverage limits, the more you’ll pay in insurance premiums. “This is a little dangerous, but if someone is wanting to save money, going with lower coverage limits may help,” Tepedino said.  But Tepedino warns that this is a risky way to save money. “The average cost of an accident with property damage alone is $7,500,” he said. “That number obviously jumps with a death or severe injury, so go at your own peril.” Brent Weiss, a certified financial planner and co-founder of Facet Wealth, believes there are some types of coverage you can consider avoiding, but he urges caution when you’re shopping for car insurance. “I am not a fan of simply meeting state minimums,” Weiss said. “It puts too many families at risk of a financial loss they cannot cover. In general, I recommend having liability coverage for bodily injury and personal property, underinsured and uninsured motorists, and collision and comprehensive coverage for most cars. There are some personal injury coverages that may be required, but limits are typically low. The bottom line is that you want to get the right coverage with the right limits and not simply shop for the lowest premium. You often get what you pay for.” Timothy Moore leads a team of editors and graphic designers at a ma [...]
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Own a Home? This One Step Could Get You a $974 Discount on Insurance

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Own a Home? This One Step Could Get You a $974 Discount on Insurance
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. Homeowners: What if we said you could save $974 on your homeowners and auto insurance this year? Wait! Before you roll your eyes and mutter “Yeah, right,” hear us out. One of the easiest ways to save on insurance is to bundle your homeowners and auto insurance policies. But before you pick up your phone and call your current provider, we have an easier — and more effective — solution: Use a free online service called Gabi, which will automatically find you the best prices. The Best Way to Bundle Your Insurance (It’s Not What You Think) When it comes to bundling, your first inclination might be to pick up the phone and call your current insurance provider — “Hey, tack on my auto insurance, will ya?” But that’s not always the best approach when it comes to saving money. For starters, when’s the last time you explored your insurance options? You might be able to find a better deal if you switch companies. Instead of calling up dozens of companies — or worse, getting quotes online and subsequently wading through an inbox full of spammy emails — you can get a free quote comparison with Gabi. It takes all of two minutes. We’ll walk you through the process really fast: Head over to Gabi's website. Answer some basic questions about yourself, and connect your insurance accounts or upload a PDF of your policy details. By doing this, Gabi can better understand your coverage and give you a true apples-to-apples comparison — without shorting you on coverage. Explore your options. Find something you like? You can easily buy the new policy directly through Gabi.  Here’s another cool part: If Gabi finds that you can actually save the most money by splitting your homeowners and auto insurance between two companies (not bundling), it’ll let you know. Oh, and if you already have the best price? Gabi will tell you that, too. Then it’ll continue to keep an eye on other options and let you know if something better pops up. Using this strategy, Gabi says it’s saved its users an average of $974 each year on auto and home insurance. Think about it: That could potentially cover your mortgage payment for this month. Go ahead and grab your free quote. You have nothing to lose — except potentially hundreds of dollars to your current insurance providers. Carson Kohler (carson@thepennyhoarder.com) is a staff 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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Men: Need to Clean Out Your Closet? Here’s Where You Can Consign Clothes

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Men: Need to Clean Out Your Closet? Here’s Where You Can Consign Clothes
There are plenty of places for women to make a buck off gently used threads, but ever wonder where men can do the same?  Well, we have a list of places for you. Here’s a list of both online and brick-and-mortar men’s consignment stores that we found. Online Men’s Consignment Stores No physical location, no problem. 1. Grailed Named as a nod to the Holy Grail — i.e., something priceless but hard to find — Grailed bills itself as “a curated community” where “each piece is sourced directly from the closets of like-minded fashion-conscious individuals.” If you’re a luxury wearer, the Grailed marketplace is the place for you.  But even if you’re not, you could sell your items in its other sections, which include streetwear, avant garde, vintage, tech wear and minimalist. Grailed offers PayPal buyer and seller protection, as well as its own appeals process for any disputed PayPal claims. It also offers a unique spin on the eBay bid site model: In addition to setting an asking price and accepting offers from buyers, you also have the option to accept multiple offers at once and ship to whoever pays you first.  Grailed takes a 6% cut of any profits after PayPal fees — by far the lowest commission of any other company on this list. That said, you set the price for your items, which may mean they take longer to sell than they would on a site that sets the price for you. 2. The RealReal As its name implies, The RealReal prides itself on authenticity. While all of the sites on this list forbid replicas and knockoffs of brand-name items, The RealReal takes it one step further by employing trained professionals — from gemologists to apparel experts — to ensure every item it offers is the real thing.  Your item must pass a rigorous inspection before the site will list it.  The more you consign with The RealReal, the more you earn: At the VIP level, you’re selling at least $10,000 a year and you’ll get 70% commission.  At the Icon level, you’re selling $1,501-$9,999 a year and getting 60% commission.  At the Insider level, you’re selling $0-$1,500 a year and getting 55% commission.  Learn more about the rewards program commission rates and item commission rates here.   3. Menswear Market Menswear Market touts itself as taking some of the guesswork (and legwork) out of reselling your items by offering services like photography and inventory management. Menswear Market may sell your pieces on its own website or through its selling account on eBay. Menswear Market offers free item pickup in Minneapolis and St. Paul, Minnesota, or prepaid FedEx shipping for out-of-state sellers. You will receive 50% of the net sale price via a monthly check over your collection’s selling period. 4. Linda’s Stuff Don’t let the name fool you; Linda’s Stuff isn’t just for women’s clothing and accessories. It also has a sizeable men’s section with everything from jeans to shoes to swimwear..  This company strives to sell your luxury items at a price that will net you the most money and interest the most buyers. The team does most of the work itself, from photography, to research, to pricing, to authenticating. The company’s inventory team determines an item’s fair market value based on its age and designer, as well as its style, condition and designer. The company lists items for one year, but if they don’t sell in that time, it is the consignor’s responsibility to initiate the return process. Linda’s Stuff pays sellers monthly and takes a sliding commission based on how much you sell: 20% of sales over $5,000, 25% of sales between $1,000 and $4,999 and 40% of sales under $1,000.  Brick-and-Mortar Men’s Consignment Stores Prefer an in-person experience? Check out these stores. 5. Well Suited From the same people who brought you women’s consignment site My Sister’s Closet and home furnishings consignment site My Sister’s Attic, Well Suited has retail stores in Arizona and California. It also allows shoppers to browse items online and place orders by phone.  You can stop by a store with items you’d like to sell or follow these instructions to ship them to the company. To qualify for resale, your items should meet the “three C’s” My Sister’s Closet originally set forth: Cute (or, one could argue, “handsome” in this case): brand-name designer items, whether classic or trendy, that retail for at least $50 Clean: in like-new, ready-to-wear condition Current: stylish and no more than 4-5 years old You can receive 45% of the item’s sale price in cash or 55% in store credit. 6. Plato’s Closet Plato’s Closet focuses on teen and young adult clothing and accessories — for guys, this means clothing in the 28-40 waist size range in “current styles that are still in the mall.”  Check here to see if there are any locations in your area. If there are, you can stop by with your items and your ID, and a sales associate will review your stuff while you browse the store’s racks. (Plato’s Closet doesn’t have a ship-to-sell option.) Unlike other consignment stores that pay you when your items sell and take a cut as commission, Plato’s Closet buys your items outright and stocks them for resale — so once you receive and accept its quote, you walk out with either cold, hard cash or store credit.  According to consumer reviews, you may only get $2-$5 per accepted item, unless you have high-demand items. But if you’re looking for a quick, easy way to unload your unwanted stuff and get a few bucks, Plato’s Closet is worth checking out. Choosing store credit could get you a little bit more, too. 7. Buffalo Exchange Like Plato’s Closet, Buffalo Exchange buys acceptable items upfront and pays you in cash or store credit. You can either drop your items off at one of its physical locations or send them by prepaid UPS shipping. Buffalo Exchange lists what each location is looking for here, but as a rule, it focuses on “designer items, popular mall brands, athletic war, current trends, everyday staples, vintage, and one-of-a-kind pieces.” You can call ahead to find out what your local store is looking for if you’re selling in person or go here to see its biggest sell-by-mail needs.  Accepted items typically net you 50% of the selling price in store credit or 30% in cash. Kelly Gurnett is a contributor to The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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7 More Resources I Loved in the Genius Blogger’s Toolkit

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7 More Resources I Loved in the Genius Blogger’s Toolkit
Did you see my post yesterday on 16 resources I loved in the Genius Blogger’s Toolkit? Well, I finished going through the rest of the Toolkit today and I picked out even more that I love! What is the Genius Blogger’s Toolkit? The Genius Blogger’s Toolkit is only offered for 6 days once a year (though they usually have a 2-day flash sale, too!). It is an opportunity to get a huge bundle of some of the BEST blogging resources around at a CRAZY discount. It’s all-new this year with a completely different line-up of resources on every topic you can think of related to blogging. And it’s once again packed with some of the most top-notch blogging courses, ebooks, and programs. What’s the Catch? Yes, you can get thousands of dollars worth of resources for one tiny but terrific price. But, the catch is that it’s only available through Monday, October 7, 2019. After that, it goes away and if you want to buy the resources, you’ll have to buy them individually — and likely at full price! But I Don’t Think I’ll Use All of the Resources Trust me, NO ONE should be trying to go through and use all of the resources in this Toolkit. That would be pretty near impossible to do — if you actually wanted to have time to run your business, too! 🙂 Instead, I encourage you to look at the list of resources that are in this Toolkit and see if there are some that look like they would be really valuable to you. If so, is the price of them worth more than the price of the bundle? Also, do you have the time to go through them? If the answer is yes to both of these two questions, I definitely recommend investing in the Toolkit. I’m Going Through All the Resources for You! Okay, so I know I said that no one should go through all of the resources and try to use them. BUT, I did personally go through all of them for you. No, I didn’t read every word or watch every video, but I spent hours yesterday and today skimming through all 94 different resources in order to tell you about which ones are my favorites and those I think are most worth going through. If you missed yesterday’s post, here are 16 of my favorite resources in the Genius Blogger’s Toolkit. 7 More Resources I Loved in the Genius Blogger’s Toolkit I finished going through the rest of the ebooks and courses and programs today that I didn’t get to yesterday and I picked 7 more that I really highly recommend: The Blogger’s Simple Guide to Taxes — I highly recommend this ebook for everyone if you are starting a blog and planning to earn any money at all from it (or even if you’re not planning to earn money from it!) It gives you can overview of all of the basics you need to know when it comes to deductions, filing your taxes, and what you need to report. The Authentic Blog Project — “Don’t show up for your audience in hopes of being accepted by them. Instead, show up because you are happy with yourself and you are perfectly happy to be seen as you are.” I loved this quote in this ebook! While very different from many of the resources in the bundle, I thought it was so invaluable and well worth reading. Smart Email List Building — If you’ve been wanting to start an email list, this course will walk you through all of the basics you need to know. I thought the videos were a little bland, but the content was solid and worthwhile. ROI Action Plan: Where to Focus Your Time to Make the Most Money When You Have Limited Time — I loved Caroline’s honesty and enthusiasm in this course + her very practical advice on what you should be focusing on as a blogger. Sales Page Starter Kit — If you are planning to launch any type of product in the near future, this is a helpful and short course on how to put together a winning sales page. It gives you lots of practical suggestions for how to write copy and headlines for your sales page that will convert to buyers. WordPress 5.0 Masterclass — This is a very comprehensive overview of WordPress 5.0 and Gutenberg. If you’ve been scared of switching over to Gutenberg, this thorough course will help you feel much more comfortable with using it. Plus, you’ll learn lots of tricks and tips for making the most of WordPress. YouTube Takeoff — Thinking of starting a YouTube channel? This well done course walks you through everything you need to know to set up and launch your YouTube channel successfully. Remember, the Genius Blogger’s Toolkit is only available until Monday. After that, it goes away and you’ll have to pay full price for each of the courses individually. Don’t miss out! Click here to purchase it while you can! [...]
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Over 50? The IRS Wants to Boost Your Retirement

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Over 50? The IRS Wants to Boost Your Retirement
Turning 50 opens the door to some special privileges. Retailers offer price breaks, restaurants serve up discounted fare and hotels welcome you with cheaper room rates. Uncle Sam also salutes older Americans by offering special tax breaks to workers 50 and older who are trying to save for retirement. Yet, millions of people are unaware of this unique opportunity to save more. It's not the usual... [...]
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Don’t Wait: Here’s Where to Get a Free or Low-Cost Mammogram This Month

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Don’t Wait: Here’s Where to Get a Free or Low-Cost Mammogram This Month
If you couldn’t tell by all the pink everywhere, October is Breast Cancer Awareness Month. And one of the best ways to stop breast cancer in its tracks? Early detection (it works). Though every woman should do breast self-exams each month, women over 40 should also consider getting a mammogram — an X-ray that examines breast tissue — every one to two years. (Here are specific guidelines.) If you’re younger than 40 but have risk factors for breast cancer, you might need mammograms, too; ask for your doctor’s recommendation. But whatever your age, don’t avoid mammograms because of their cost. 6 Places That Offer Low-Cost or Free Mammograms Women today have a bounty of ways to get free and low-cost mammograms. Here are six options. 1. Your Doctor If you’re 40 or older, the Affordable Care Act requires your insurer to cover screening mammograms with no co-payment. More information is available here. Medicare and Medicaid also cover the cost of mammograms. 2. The National Breast Cancer Foundation The National Breast Cancer Foundation partners “with medical facilities across the country to provide free mammograms and diagnostic breast care services to underserved women.” Click here to search for a location near you. 3. The Susan G. Komen Foundation This organization has affiliates in 120 American cities.   According to its website, its affiliate network “is the nation’s largest private funder of community-based breast health education and breast cancer screening and treatment programs.” To learn what resources are available in your area, search for your local affiliate here. Prefer to speak to someone? Call the organization’s breast care helpline at 1-877-GO-KOMEN (1-877-465-6636), and the representatives will help you find low-cost options in your area. 4. The National Breast and Cervical Cancer Control Program The CDC’s National Breast and Cervical Cancer Control Program “provides breast and cervical cancer screenings and diagnostic services to low-income, uninsured and underinsured women across the United States.” To qualify for this screening, you should be between the ages of 40 and 64, have no insurance or insurance that fails to cover screening exams, and live at or below 250% of the federal poverty level. You can find out more information about your state or territory here. FROM THE SAVE MONEY FORUM For those Who do not drive, what is the cheapest way to get around? 8/16/19 @ 1:55 AM M Saving money on pet meds 9/11/19 @ 3:41 PM Acorns 8/14/19 @ 6:00 PM How to save when grocery shopping 8/15/19 @ 2:43 PM See more in Save Money or ask a money question 5. The YWCA Some YWCA chapters provide breast cancer screening and education to women who have no insurance or who are underinsured. Contact your local YWCA to see if it offers affordable mammograms.   6. Your Local Imaging Center According to the Susan G. Komen Foundation, many imaging centers offer reduced rates during Breast Cancer Awareness Month. You can search for a local mammography center on the FDA website. You might be wondering why Planned Parenthood isn’t on the list. These popular clinics provide clinical breast exams, but not mammograms; if an abnormality is detected during your exam, the doctor will refer you to a provider of low- or no-cost mammograms like the ones above. To learn more about mammograms — including how they work and how to prepare — check out this PDF from the Komen Foundation. Whatever you do, don’t wait! Susan Shain is a contributor to The Penny Hoarder. Former SEO analyst Jacquelyn Pica assisted with research. 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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New from SmileDirectClub: Straighten your teeth while you sleep!

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New from SmileDirectClub: Straighten your teeth while you sleep!
Want to straighten your teeth while you sleep? Check out this brand-new program from SmileDirectClub! Note: This post is sponsored by SmileDirectClub and contains affiliate links. All opinions are 100% my own. Read our disclosure policy here. As I’ve been sharing my journey with SmileDirectClub, I’ve heard from many of you who are very interested in using SmileDirectClub, but you don’t want to wear retainers all day and all night. Some of you said that it just sounds like a pain. Others of you said that you couldn’t because of your job. One of you told me you work in customer care and are on the phone all day and need to be able to talk clearly and you were worried people wouldn’t be able to understand you as well if you were wearing aligners. Introducing the Nighttime Clear Aligners Program Well, if the thought of wearing aligners all day and all night has been holding you back from signing up for SmileDirectClub, I’ve got GREAT news for you! They just launched their new Nighttime Clear Aligners program. This allows you to only wear aligners at night (approximately 10 hours/day) and to straighten your teeth while you sleep. Now, most of you probably don’t sleep for 10 hours total every night, but you could put these in at 9 p.m. when you’re winding down for bed and wear them until 7 a.m. in the morning. Then, just pop them out, rinse them, put them in the case, and go about your day. Repeat the same thing the next night and the next night and watch your teeth “magically” begin to straighten! The Nighttime Clear Aligners program is twice as long as the regular aligners program (10 months versus 5-6 months), but you never have to mess with your aligners during the day! I think that’s a HUGE score! Best of all, the price is exactly the same ($1895 total or $85/month)! I have been so excited to tell you about this program as I think it is such a great idea and I wish they had had it when I started SmileDirectClub! My 5-Month SmileDirectClub Update Speaking of SmileDirectClub, I’ve been so happy with my overall experience! I can’t tell you how many people have noticed how much better my teeth look — without me ever mentioning anything to them! Now that I’m finished with my 5-month treatment, I only have to wear retainers at night to make sure my teeth don’t go back to where they once were. It is SO NICE to not worry about wearing aligners during the day, but I’m so happy I decided to take the plunge and do this program. It has been everything I hoped and more. Best of all, every time I see a photo of myself with my new smile, I can’t help but smile even bigger. It’s given me a newfound level of confidence. My teeth aren’t perfect, but they are so much better than they used to be and the process was really quite simple, with minimal pain and discomfort. Overall, I would highly recommend SmileDirectClub and have had a really positive experience with them. For years to come, when I see my smile or look in the mirror, I will be grateful to them! Read More of My SmileDirectClub Journey: My Completely Honest Experience at the SmileShop My First Month Wearing SmileDirectClub Aligners Does SmileDirectClub Really Work? (My 90-Day Update) Want to try SmileDirectClub? I highly recommend going to a local SmileShop to get a 3D Scan done. If you don’t have one nearby, though, you can order an at-home Impression Kit. Again, I would personally recommend going into a SmileShop. It’s completely FREE to do so and they do such a great job of giving you such a high-quality scan. But you if you do end up ordering an at-home Impression Kit, use coupon code MSMDEAL to get 50% off the price. And if you decide to sign up with SmileDirectClub, you can also use coupon code MSMDEAL at checkout to get $100 off the price of your Invisible Aligners. [...]
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22 Purchases You Should Never Skimp On

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22 Purchases You Should Never Skimp On
BlueSkyImage / Shutterstock.com Who doesn’t love a bargain? Scheming to get the best price — whether by utilizing coupons, sales, frequent-shopper points or other tips — is a rewarding and fun pastime. But sometimes, purchasing the absolute cheapest item in a certain category isn’t the way to go. That old saying, “You get what you pay for,” rings true time and... [...]
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Cottonelle Ultra CleanCare Toilet Paper (24 Family Rolls) only $18.88 shipped!

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Cottonelle Ultra CleanCare Toilet Paper (24 Family Rolls) only $18.88 shipped!
This post may contain affiliate links. Read my disclosure policy here. Running low on toilet paper? Here is a great stock up price on Cottonelle Ultra CleanCare Toilet Paper! Amazon has this Cottonelle Ultra CleanCare Toilet Paper (24 Family Mega Rolls) for just $18.88 shipped when you clip the 20% off e-coupon and checkout through Subscribe & Save! That’s just $0.14 per single roll! 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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How One Couple Lived Rent-Free for 3 Years to Save Toward Down Payment

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How One Couple Lived Rent-Free for 3 Years to Save Toward Down Payment
A few years back, a Southern boy met a Cali girl and fireworks exploded. At least they did in how I tell the story.  Not too long after, we saw a lot of commonalities and shared purpose, so things got decidedly real.  When we got invested in our relationship lasting for the long term, we knew serious financial decisions lay ahead and I’m delighted that our goals aligned. However, we knew realizing them would require a lot of effort — effort we were more than willing to put in if it got us what we wanted. But just as cars don’t run on hopes and dreams, willingness doesn’t simply put money in the bank. If it did, we, and millions more, would be set. If we wanted a house to raise a family in, we would have to save money for a down payment. Fortunately, a break fell into our laps and we took full advantage, allowing us to save money quicker.  The Unusual Arrangement That Covered Our Rent for 3 Years In 2016, my mother graciously decided to support my girlfriend (now wife) and me by investing money she received from her mother’s estate in a multiunit property in New Orleans.  The agreement was that we would pay each month’s mortgage while renting out the two additional units, with long-term tenants in one and short-term guests from Airbnb in the other.  The math would work out where we would pay for any shortfalls, repairs or maintenance.  There’s a name for this arrangement, i.e., living in a multifamily home while renting out the other units to cover the mortgage payment: house hacking. We appreciated the deal because it gave my parents a return on their investment and my wife and me a free place to stay. However, I want to be clear: House hacking doesn’t require assistance from family. In fact, purchasing a multifamily home can serve as a pathway to homeownership. The added rental income you’ll receive can even be considered as part of your overall income when you apply for a mortgage in some cases.  Further, the 20% down payment is not necessary due to alternative mortgage products like FHA loans, which require as little as 3.5% down and allow you to finance a multifamily property with up to four units. The house we called home had three units with long-term tenants on one side and a short-term rental behind us in a lock-off unit. This partition between us and the short-term rental made the space suitable for hosting Airbnb guests because the guests did not need to interact with us. The layout gave them complete privacy to come and go as they pleased using the separate side entrance.  Aside from competitive pricing, this was one of the most frequently cited positive features about the unit shown in our reviews over the three years we ran the Airbnb. It allowed guests to be completely independent during their stay, as they would be in a hotel. FROM THE HOME BUYING FORUM to buy or to rent? 9/12/19 @ 3:59 PM O 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 See more in Home Buying or ask a money question The Math Behind Our Housing Hack To determine what rent to charge, we looked at comparable units in the area and saw how much renovated properties fetched. We wanted it to cover at least 75% of the mortgage. From there, we knew it was up to us to book the Airbnb enough to avoid paying anything out of pocket. However, getting to such a high rent required top-to-bottom renovations in the long-term unit. We did all the repairs ourselves, relying on experience accumulated over previous home renovations.  Each month, the mortgage came to $1,800 with a $250 bill for an HVAC system replacement we financed. The long-term tenants paid $1,700 each month, while the Airbnb averaged $500 per month over the course of the year.  Our occupancy rates for the Airbnb depended on the time of year, as New Orleans is a tourist destination during the fall through spring. For the three years we had the property listed on the platform, we averaged occupancy rates of 25% to 35% — mostly weekends during tourist season.  For repairs, we budgeted for $100 to $200 per month. The income from the Airbnb provided enough cushion to cover routine maintenance and the HVAC replacement. With time, we likely could have raised the rent in the long-term unit as the market price increased to turn a profit on the property. In a sense, the group saw us as stewards of the investment, and we were paid fairly for our efforts. That’s to say, not everything came up roses managing tenants and Airbnb guests. We financed a fair number of repairs. The HVAC system, appliance upgrades and maintenance activities came out to roughly $12,000 during our three years there.  But between these two income sources, we managed to offset our living expenses and budget for routine maintenance and repairs. As an added bonus, we also got to pick our neighbors and the guests who stayed with us. For a comparable rental unit in New Orleans between 2016 and 2019, we would have paid $1,200 to $1,500 per month. By not paying this housing expense, we were able to save that money instead.  After we moved out of the unit to the San Francisco area, my parents chose to maintain the property and rent out the units to long-term tenants. In the end, house hacking helped us get closer to what we want: a home of our own and, eventually, financial independence. 4 Reasons House Hacking Worked for Us Now that you have a better idea of how we went about house hacking, I’ve distilled four major takeaways for how and why you should consider using your space to reach your financial goals. 1. House-Hacking Requires a Low Time Commitment At first, we were wary of how much time this would take given our busy schedules. I worked a demanding job, and my wife was a medical resident.  However, after the first six months of guests, we quickly developed a routine for flipping the Airbnb between guests. This made short-term renting an effective means for making money. For a traditional rental, finding the right tenants can take time, but it’s well worth the effort. After all, these will be your neighbors for at least a year. 2. You Can Take Advantage of Assets You Own A primary reason house hacking is a great option is that you leverage assets you own. In a sense, this side hustle requires less recurring time after the initial investment of time and money. This breaks the traditional trade-off between time and money and allows for scalability. 3. It Doesn’t Require Specialized Skills  Outside of requisite soft skills — such as relationship management, marketing and good judgment — house hacking doesn’t require many hard skills. 4. You Can Earn a Good Return For the amount of time and money you invest, house hacking can generate a decent return. This is all the truer if it leads to a complete offset of your living expenses. If you have multiple units for rent like we did, the potential to earn a decent return is high. This arrangement has allowed us to save money much quicker than we would have by renting a one-bedroom apartment elsewhere in the city and carrying monthly rental payments. Is House Hacking Right for You? Ultimately, the decision rests on how much you can reasonably expect to e [...]
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18 Creative Ways We Cut Our Grocery Bill

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18 Creative Ways We Cut Our Grocery Bill
Looking for some creative ways to cut your grocery bill? Here are 18 strategies from my followers that you might not have thought of doing: Creative Ways to Cut Your Grocery Bill I recently asked my followers to share some of their best creative ideas for cutting their grocery bill. Here are a few of my favorites that were submitted… (Psst! Have more creative ideas to cut your grocery bill? Please leave a comment on this post and let us know!) 1. Can you make it yourself? “Make homemade items instead of buying them in the store. Example: homemade taco seasoning. You probably have most of the ingredients in your pantry. Use less meat and more veggies in your recipes. You don’t have to use all the meat that comes in the package. “Make homemade laundry detergent (for coloreds and darks). It doesn’t have to be a long term commitment just long enough to help you save money now. Almost anything you get at the store you can make at home. Think outside the box.” -Christine 2. Pretend you’re Ma Ingalls! “I always pretend our family is Little House on the Prairie and it’s a day’s horse ride into town to get groceries. So, once I have purchased groceries, I don’t go back to the store. I get clever about what I can make with what I have. Kind of my own version of Chopped.” -Kathleen 3. Order groceries online. “One thing that helps us save money is to order groceries online. I can closely watch what is being spent. Yes, that means I may give up my 25-cent-off coupon, but if I’m saving $5 because I bought something on an impulse, then I still see it as saving. Or, I’ll order online and then shop my coupons in store. Saving money is hard, you always need to be watching, always counting, always scouring for the best deal. It’s a job all in itself. But when it pays off…boy does that feel great!” -Jessica 4. Cash is king! “If you don’t have it, you can’t spend it! We spend $100/week on food and toiletries for our family of 6. It’s hard but doable. The reality is, if you only have $150, you’ll only spend $150. Maybe working a zero-based budget will help you succeed more?!” -Alicia 5. Stretch your chicken. “I buy big packs of chicken breast and can use 1 pack for 3 meals. I separate the chicken tenders from the breast and cut those into cubes for casseroles. Then, I place those pieces and seasonings/marinades in labeled freezer bags and freeze them. The breasts, I fillet, turning one portion into two. These I season/marinade and place in bags or parchment lined tins and freeze — it just depends on how I plan to cook them.” -Jessica Pro Tip: Check out this post on How to Stretch One Package of Chicken to Make 4 Dinners. 6. Have a Waste Not, Want Not Day. “Take a look at what’s leftover at the end of the week from your most recent shopping trip. What meal(s) can you make out if it? Or snacks, treats, etc.? Every so often I have a “Waste Not Want Not Day” and I use up every odd/leftover food items I can find. Be creative.” -Helen 7. Stop using so much! “Rethink how you use some items. Using too much laundry soap? Only use the bare minimum. And sometimes hand wash small batches! Shampoo? Wash your hair every 2nd or 3rd day, rather than every day.” -Sue Pro tip: Read my post on How I Only Wash My Hair Once a Week. 8. Think in terms of cost per meal. “I try to break it down by cost per meal. Most meals (dinners) I make regularly can be done for under $10-12 for my family of 5… $4 or less worth of meat, a couple bucks in veggies, a couple bucks in carbs. “I try to keep snacks under $0.30/each, at most $0.50, so I’ll break down the cost per item or estimate the number of snacks I can get from one box and divide. “It really helps to see exactly what your meals are costing you, if the ingredients you use in your average dinner costs $25 to buy, you either need to reevaluate your menus or reevaluate your budget.” -Jessica 9. Use a store gift card & shop with a calculator. “A tip to avoid going over on groceries is IF you shop at stores like Safeway (Vons) or QFC (Kroger) that offer gift cards for purchase… load up a gift card each week for the dollar amount you have planned. Only use that gift card (as best you can) for grocery shopping. “If your card doesn’t have enough to cover it at checkout, it’ll really make you have to think twice when you have to pull out your debit card to cover the difference. “Also, shop with a calculator in hand. I’ve done that so many times during tight payday periods. Then you can re-evaluate what’s most important in your cart before you get to checkout.” -Helen 10. Shop Dollar General for OTC medicines. “I’ve recently been introduced to Dollar General brand of OTC meds. They actually seem to work better than most of the name brands.” -Alice 11. Simplify your meals. “Simplify your meals. Some nights we don’t do the traditional meat, starch, veggie. We hardly ever have a bread/roll or even dessert. We might have just a casserole or just spaghetti alone with no sides.” -Allison 12. Shop at CVS. “CVS is the best for personal care items. Although their regular prices are high, their deals can’t be beat. One day recently, I walked out with 2 bottles of L’Oreal shampoo, 2 Pantene hairsprays, and 1 shaving cream for $0.53. I used the coupons at the kiosk, with manufacturer’s coupons on sale items. When I get an overabundance, I share with my daughter or donate to one of the local shelters.” -Kathy 13. Make your own convenience items. “Making cleaning products with vinegar, baking soda, ammonia provides lots of savings. Also, we stopped using paper towels years ago. (You can even cut up old t-shirts for hand towels. I keep them in a basket by the sink.) “Make convenience items from scratch. Or find homemade solutions for expensive items. “When I had kids at home, I made lots of muffins, baked oatmeal, homemade frozen hot pockets, and frozen burritos. Hillbilly Housewife had a great basic muffin recipe and I made it with whatever I had for add-ins. “Eating breakfast for supper saves lots and having things like pancakes, biscuits and gravy, or eggs and toast. Cooking once to re-use leftovers saves a lot also. Taco meat becomes chili, baked chicken becomes soup.” -Gina 14. Cut down on what you buy. “You can still go broke chasing a good deal! Former coupon instructor here. You can up the amount of your budget OR you can cut down on what you buy. “Perhaps one week a month (or a quarter), do a spending fast and don’t shop. Use what’s in the pantry, and eat what’s in the fridge/freezer.” -Amanda 15. Use Walmart Grocery Pickup. “Walmart Online grocery pickup has been great for me lately. You can see exactly what you’re spending before you get to checkout and you are only buying what you need for the week/two weeks versus buying things that you see that jump into your cart. “I still have to supplement with trips here and there to our local grocery store, but knowing I can purchase the bulk of it for very low prices and control what I’m spending WHILE I spend it, has been a great thing for me.” -Susan Pro tip: Did you know you can earn United Airline Miles by using Walmart Grocery Pickup? 16. Use bar soap instead of liquid soap. “Bar soap is also a fraction of the price of liquid, one $2 bar of Dove lasts more than a month compared to a $6 bottle of liquid for 2 weeks!” -Marge 17. Try the Envelope System. “I highly recommend the envelope system. Put your grocery money for the week envelope and only spend that amount (you might need to leave your credit/debit cards at home until you get the hang of shopping with a set amount of cash).” [...]
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Stay-at-Home Parents: Here are 10 Side Gigs You Can Do With Kids in Tow

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Stay-at-Home Parents: Here are 10 Side Gigs You Can Do With Kids in Tow
Stay-at-home parents have ALL the free time… …Said no one who ever actually stayed at home with their kids. Commanding the homefront is a job with a capital J. And yet, during those hours at home while the kids are playing in the sprinkler, watching cartoons or — heaven bless them — napping, parents often feel like they could be doing something productive. Lucrative even. We hear you, frazzled moms and dads. Here are 10 ways to make money as a stay-at-home parent that you can squeeze in between trips to the playground and running laundry.  Your time is worth a lot, but toddlers don’t pay. These gigs do. 10 Ways to Make Money as a Stay-at-Home Parent 1. Make and sell stuff online Let’s get one thing out of the way: Etsy is not a set-it-and-forget-it type of website. Compared to other online marketplaces, Etsy takes some work. But that hard work can pay off as a profitable side business. And if you’re already inclined toward making crafts or spotting cool vintage finds, Etsy is the ideal marketplace for those one-of-a-kinds. Read our complete guide to selling on Etsy to help you get started. Not the crafty type? You can still make a handsome sum selling through Fulfillment by Amazon. A lot of Amazon sellers are private-label businesses that buy generic products from abroad, brand and pack them, then send them off to Amazon, which does the rest for you. 2. Work on Mechanical Turk Speaking of Amazon, the online retail giant’s Mechanical Turk platform lets you complete small tasks online for a price. According to Michael Naab, who wrote our guide (and a book) on making money with Mechanical Turk, you can expect to earn around $6 to $12 an hour doing Human Intelligence Tasks (HITs) on the platform. HITs range anywhere from completing surveys to Excel spreadsheet tasks to audio transcription. 3. Be an online tutor Tutoring has become a prime opportunity for anyone who wants to work from home. Online tutoring companies abound, and there’s often a lot of flexibility around when and how many hours you want to devote. Consider signing on with one of these nine companies and earn money tutoring during the kids’ swim lessons or playgroup. 4. Teach English Online Interested in more teaching opportunities? To fill the demand for English around the world, many companies hire native English speakers to run classes online. In most cases, online teachers can set their own schedules and earn up to $25 an hour. To meet baseline qualifications, all you need is English fluency, a high school diploma and a computer with a high-speed internet connection. Ready to get started? Here are seven legit sites that will pay you to teach English online. 5. Write for a parenting blog You’re already a subject-matter expert in the care and feeding of small humans. Get paid for hard-earned that knowledge by writing for a parenting blog or magazine. 6. Babysit other people’s babies You’re already watching your own kids. You’ve got your house stocked with crafts and snacks and all the outlets are child-proofed. It’s not a new idea for stay-at-home parents to take in other charges, but now there are plenty of sites to connect you to potential clients. For starters, check out Care.com and Sittercity to create a free membership. 7. Babysit fur babies A cardinal rule of staying at home with kids: Get out of the house. While you’re running errands and hitting the library, build in some paying work as a pet sitter or dog-walker. As you might have guessed, there’s an app (or six) for that. FROM THE MAKE MONEY FORUM FlexJobs 9/27/19 @ 5:43 PM s work at home 4/3/19 @ 9:26 PM Shortage in Budget 9/26/19 @ 1:16 PM SSDI Isn't Enough To Make Ends Meet 9/25/19 @ 10:38 AM See more in Make Money or ask a money question 8. Sell home-baked goods Even if you’re not a bona fide pastry chef, there’s money to be made whipping up specialty goodies the rest of the world doesn’t have the motivation to create. We talked to two people with home-baking side businesses about how they found a sweet spot. 9. Rent out your baby gear Strollers, car seats, high chairs, play pens — these are the tools of the stay-at-home parenting trade. They’re expensive and they take up a lot of space in your life. Now there are apps that let you rent out your baby gear to other families in your city and get a little return on those big investments. 10. Check The Penny Hoarder’s Work-From-Home jobs portal If you’re looking for a real job you can do from home, or even if you just want to browse what opportunities are out there, check in regularly with our Work-From-Home Jobs Portal, which is updated regularly with new postings. Many of them can be done from anywhere. Molly Moorhead is a senior editor 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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How to Find Cheap Hotels

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How to Find Cheap Hotels
This post may contain affiliate links. Read my disclosure policy here. Need to get a cheap hotel for an upcoming work trip or family vacation? In this post, I walk you through my hard-won strategies for finding great hotel deals and give you some cheap hotel alternatives. Our Bad Experience With a Cheap Hotel I’ll never forget the experience. Jesse and I had only been married a few years and we decided to splurge on a “big family trip” to San Antonio, Texas for a conference. It was something we had planned for quite awhile and we had scoured the internet to find deals. We ended up finding a crazy good deal on a flight, hotel, and car rental package. It was dirt cheap and we felt like we had pretty much won the lottery! Even on our small budget, we figured out a way to make this crazy cheap vacation happen! Be Wary of One-Star Hotels! We were so excited about the deal that we didn’t really take the time to think through the fact that it was a one-star hotel. Ahem. Well, fast forward to our trip. We flew to San Antonio, picked up the car, and met up with friends. Time got away from us and pretty soon it was after 1 a.m. in the morning. We realized we’d better head to our hotel… and that was when the whole reality of a one-star hotel began to hit us. The hotel was in a very sketchy party of town. We didn’t really even feel safe getting out of our car at 1 a.m. in the morning. But what other choice did we have? We got checked in and got to our room to discover it was dirty and had roaches and the door barely locked because it was somewhat broken. Since we didn’t have the money to switch to another hotel, we decided to just suck it up and stay there. We cleaned the room as best as we could, barricaded the door, and went to bed. It was a good thing that we barricaded the door because in the middle of the night, someone started trying to get into our room. They jiggled the door handle multiple times and tried unsuccessfully to unlock it. It’s very possible that they were disoriented at 3 a.m. and thought it was their room, but it seemed pretty aggressive for someone who was just trying to get into their hotel room. Gratefully, after a few minutes, they finally left and they didn’t come back. But you can imagine that we felt pretty shaken by it! Don’t Make the Cheap Hotel Mistakes We Did! As you can likely imagine, after that, we decided we would do our research before jumping on some crazy cheap hotel deal again! We also decided to never stay in a one-star hotel if we could at all help it! 🙂 Whether you have had a bad experience with a cheap hotel site, or whether you’re just scared that you will, or maybe you just wish someone who has had a lot of practice getting great deals on hotels could be your guide and help you learn how to find the best hotel deals, this post is for you. I’m going to break down my best advice for finding good deals on hotels, walk you through what you need to know to stay away from the scary one-star experiences, and help you save time and money on booking hotels. So, let’s jump right to it… 1. Travel off season. First things first, the best way to find a deal on a hotel is to travel off-season. I know this is not always possible, but if you can swing it, you’ll save so much money. This doesn’t necessarily mean you can’t travel in the summer; it just means you should choose places to go in the summer that aren’t the vacation destination of everyone else! I love to use the search feature on Skyscanner if we have somewhat flexible dates and locations. You can search by locations or by dates or by budget to find flights that are often incredibly affordable. I love to look on there to get ideas of the best times of year to travel where… because typically if flights are really inexpensive to a location, there’s a chance that hotels will be, too! In addition, if you plan your trip during the middle of the week, you’ll often find cheaper hotel rates than if you are booking your stay on a weekend. Again, this isn’t always feasible, but it’s something to consider — especially if you have a bit of flexibility. 2. Search multiple travel sites. There are a number of places online where you can find cheap hotel deals. Some of our favorites to use are: Groupon, Hotels.com, Travelocity, Hotwire, Expedia, and Priceline. If you’re willing to be adventuresome, you can purchase your hotel “blind” through Expedia and get a great deal. You’ll save at least $15 or $20 — often more! — if you’re willing to purchase the hotel room without knowing what hotel you are staying at. You can search by lowest price and star rating to see what prices are for the area you’ll be traveling to. We are typically able to find a three-star hotel for around $50-$60 per night this way. Note: Because of our awful one-star hotel experience, I wouldn’t suggest getting anything less than a three-star hotel. Two-star hotels can be hit and miss and, in our experience, one-star hotels should be avoided altogether. 🙂 Reader tips: Hotels.com offers stay 10 nights, get one free. They also have discount codes. We always stay in hotels that offer a good breakfast because it saves us $$. -Quintana Try to stay at the same hotel chain using their rewards program. My favorite rooms include breakfast, a sink, fridge, and a pull out couch. -Kelly If you want to get to pick your hotel before you purchase or be able to get a refund if your travel plans change, I’d recommend going through Orbitz. They have great deals, they show you the price including fees, and they do not charge you if you cancel your reservation. Usually, their prices are a little higher, but it might be worth it to pay a little to know what hotel you’re reserving ahead of time, and to not be charged if you cancel your reservation. Pro Tip: Check Out Express Deals From Priceline Jen shared this in a comment on a post not too long ago: Priceline offers “Express Deals” which provides basic information about a hotel – neighborhood, amenities, star level, and guest rating (in most cases). They also tell you the percentage discount you’ll get by using the Express Deal, plus the price you will pay for it. Most people don’t take advantage of Express deals, because they don’t like not knowing which hotel they’re booking. (And once you purchase an Express Deal, there is no backing out. You get what you get at that point.) With the information they provide, however, you can filter hotels offered by Priceline to figure out what hotel you are going to get! As an example: a hotel is listed as three star, in Times Square, offers free internet and a gym, has a 7+ rating by guests, and is available for $145 (a 39%) savings. To figure out what this deal is, you back out of Express Deals and go back to the section that lists all of the hotels on Priceline. You filter your search to only show hotels in Time Square which are 3 star and have free internet and a gym. It might pull 4 matches, so you next look at which hotels are rated 7-7.9 by guests. Let’s say there are two hotels left at that point. Then it’s simple math to figure out which hotel is a 39% savings from the price listed on the screen. Make sense? Hopefully! It takes a little practice, but with this method I’ve always been able to figure out what hotel I will get (and usually at a huge savings!). I have successfully done this over three dozen times. 3. Look for a coupon code. Many cheap hotel sites regularly offer coupon codes. These coupon codes usually have some restrictions, but it’s still worth checking to see if they have a coupon code that will work on the hotel you’re wanting to book. Tips for Finding Travel Site Coupon Codes: My favorite site to find online coupon codes is RetailMeNot.com. They have a very robust database of coupon codes for [...]
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Women’s Health Magazine Subscription Discount!

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Women’s Health Magazine Subscription Discount!
Snag a subscription to Women’s Health at the lowest price we’ve seen! WOMEN’S HEALTH SUBSCRIPTION DISCOUNT Now through 9/26/19, you can save 90% off your subscription of Women’s Health Magazine!  Enter the coupon code PENNYPINCH at checkout and you’ll pay just $4.95 per year! If you currently subscribe, go ahead and extend your subscription at this low ... Read More about Women’s Health Magazine Subscription Discount! The post Women’s Health Magazine Subscription Discount! appeared first on Penny Pinchin' Mom. [...]
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Michael’s: Free Clay Pot Scarecrow Event on September 28th

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Michael’s: Free Clay Pot Scarecrow Event on September 28th
Looking for something fun to do this weekend? Head to Michael’s for this free event. Stop by any Michael’s stores from 11 a.m. to 2 p.m. on September 28, 2019 to make clay pot scarecrows for free! All the supplies will be provided. No registration required. Click here to find a location near you. Thanks, Freebies4Mom! [...]
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10 Colleges That Offer Free Tuition for Seniors

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10 Colleges That Offer Free Tuition for Seniors
Monkey Business Images / Shutterstock.com Seniors enjoy discounts for just about everything. Did you know that can even include the cost of higher education? Some schools think it’s a smart idea. Whether through a state-supported program or school-based initiatives, there are plenty of opportunities to learn — and earn credit toward a degree — without the burden of crippling... [...]
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Why You Might Need Long-Term Care Insurance

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Why You Might Need Long-Term Care Insurance
Do you ever think about who is going to take care of you when you can’t take care of yourself? Is it something you want your family or kids to have to do? What if you don’t have family close by?  According to an April 2019 report by the Urban Institute and the U.S. Department of Health and Human Services, 70% of adults over 65 will develop a need for some kind of long-term services and support. Nearly half will receive some paid care during their lifetime, with 24% needing more than two years of care. Home health care, assisted living facilities and nursing homes are expensive, and most health and disability insurance policies won’t help pay for them.  Long-term care insurance is one way to defray the — often exorbitant — cost. Long-Term Care Costs How Much?  Each year, Genworth, a company that sells long-term care insurance, conducts a survey of more than 49,000 providers to find out how much different types of care cost. Results from the 2018 survey showed the annual median costs for various services. Adult day care: $18,720 Assisted living: $48,000  Homemaker services: $48,048, or $21 an hour Home health aide: $50,336, or $22 an hour Semi-private room in a nursing home: $89,297 Private room in a nursing home: $100,375  During the 15 years of the study, the cost of care in an assisted living facility, also known as a residential care facility, has gone up 67%, and private rooms in nursing homes have increased 54%. What is Long-Term Care Insurance? Long-term care insurance covers the things regular health insurance or Medicare does not, like nursing home care, assisted living facilities, in-home medical care, in-home assistance for routine daily activities, adult day care, home modification and more.  “Most people actually get family or friends to do the helping, so there’s no money changing hands in that case. But many times, people who need this help don’t have family or friends who are available to do this, or don’t want to do it. And so if they do need help, they have to hire someone,” said Steven Weisbart, senior vice president and chief economist of the Insurance Information Institute. In a 2016 study, The National Association of Insurance Commissioners and the Center for Insurance Policy Research reported 7.2 million long-term care insurance policies were in effect in 2014.   Benefits kick in when the covered person suffers from dementia or another cognitive impairment or can no longer do at least two of six “activities of daily living” on their own such as bathing, dressing, eating, getting out of bed and using the toilet. A doctor usually needs to show that a patient needs long-term care before a policy would kick in. Each policy has an elimination period before benefits begin, a monthly maximum benefit and a total benefit period. Some policies include inflation protection and a lifetime maximum. Once you buy a policy, as long as you pay your premiums, the company cannot cancel it.  How Much is Long-Term Care Insurance? There is no way around it. Long-term care insurance can be pricey. According to 2019 data from the American Association for Long-Term Care Insurance, about 350,000 Americans bought some type of long-term care protection in 2018. They paid an average annual premium of $2,050 for a 55-year-old single male, $2,700 for a 55-year-old single female and $3,050 for a male and female married couple, both age 55. The same data shows long-term care insurance companies paid out $10.3 billion in claims in 2018. Most were for home care followed by assisted living care. Premiums depend on a variety of factors. Age and health: The older you are and the health problems you have impact the price. Gender: Women usually pay more because they often live longer and therefore have a greater chance of making a claim.  Marital status: Single people pay more than married couples. Couples can also get a shared rider allowing them to share a pool of benefits, lowering the individual cost for both.  The insurance company: Companies charge different prices for similar policies.  Coverage: You’ll pay more for a shorter elimination period, higher daily and monthly limits, longer coverage period, inflation adjustments, etc. Once you have a policy, the insurance company cannot raise the premium just for you, but they can raise it for everyone in a particular classification, and they often do.  During the past several years, the number of companies selling long-term care policies has dwindled, and companies have increased rates on older policies as they made assumptions about how people would use their policies. Many companies thought people would progress from living at home and needing care, to assisted living, to nursing care. Instead most claims are ending in the same place where they began. Also, fewer people dropped policies and insurance companies paid out more claims than they expected. The one good thing about long-term care insurance premiums is they are tax deductible. The amount you can deduct depends on your age, increasing as you get older. Medicare and Medicaid Limitations For people age 65 and over, Medicare covers only short nursing home stays, mainly for rehabilitation, and limited home health care options. It does not pay for long-term care.  Medicaid will pay for some long-term care, but only kicks in if a person has depleted financial resources. It does not pay for assisted living and there are long waiting lists and limited availability for nursing homes because low reimbursement rates make care facilities reluctant to accept Medicaid patients.  Some states have what they call partnership plans with insurance companies to encourage people to plan for the expenses that go along with long-term care. These plans often involve a way to keep some assets and still quality for Medicaid. Call your state’s insurance department to find out if your state has a partnership plan.  Should I Buy Long-Term Care Insurance? Thinking through how you will pay for long-term care is an important part of any financial plan. Don’t wait until you need care to figure it all out.  Long-term care insurance can protect your savings and give you more choices for care. In the bigger picture, it can provide peace of mind knowing that you won’t be putting the burden of your care on family or friends.  If you feel you can cover the cost of long-term care, you might not want to buy long-term care insurance. You can probably afford to self-insure if you use less than 4% of your savings each year for living expenses.  If you have no assets, Medicaid might provide you the care you need.  “So all of us who are in the middle, not too poor, and not too rich, are the potential long-term care [insurance] audience,” Weisbart said. “If long-term care services can be provided by family and friends, then you don’t need long-term care insurance. But, if there is no family or friends, if there isn’t a way that you can be sure that you will be able to handle these things, or if you’re in the middle income group, those kinds of conditions suggest that you might take a shot at some long-term care insurance.” In addition to looking at finances, assess your risk by looking at your health, hereditary conditions, and longevity in your family. FROM THE INSURANCE FORUM Total loss valuation 9/16/19 @ 10:40 AM What happens to my FSA if I leave a job? 8/5/19 @ 9:37 AM I 8/19/19 article about Life Insurance 8/19/19 @ 1:08 PM [...]
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Men’s Journal Magazine Subscription Discount

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Men’s Journal Magazine Subscription Discount
You can subscribe to Men’s Journal Magazine for only $4.99 per year (91% off)! You can order up to 4 years at this price! Just enter coupon code PENNYPINCH at checkout to watch the price drop. Men’s Journal is for men who love adventure. Each issue features product reviews on the gear you need – from sports ... Read More about Men’s Journal Magazine Subscription Discount The post Men’s Journal Magazine Subscription Discount appeared first on Penny Pinchin' Mom. [...]
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Dollar Shave Club Starter Set for just $5 shipped!

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Dollar Shave Club Starter Set for just $5 shipped!
This post may contain affiliate links. Read my disclosure policy here. Have you been wanting to try Dollar Shave Club? You can get their Starter Set for just $5 shipped right now! If you’ve been curious about Dollar Shave Club, you can sign up and get a Starter Set for just $5 shipped right now! This also might make a unique gift idea for someone! This initial Starter Set includes the executive razor handle, four 6-blade razor cartridges, a trial-sized shave butter, a trial-sized post shave dew, and a trial-sized prep scrub. This is a great value!! I’ve been using Dollar Shave Club for quite a while now, and I really like it! You can read my completely honest review of Dollar Shave Club here. Note: When you take advantage of this deal, it signs you up for the Dollar Shave Club membership that will renew after the first month at the full executive razor price of $9/month. Be sure to go into your membership settings and cancel (or change to a cheaper razor) if you don’t want to continue. Go here to sign up and get your $5 Dollar Shave Club Starter Set. [...]
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I Did it. I Broke up With Amazon Prime

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I Did it. I Broke up With Amazon Prime
Last spring, Amazon made a decidedly unwelcome announcement: It would raise the price of a Prime subscription from $99 to $119 per year, a whopping 20% increase. Reader, I am nothing if not averse to paying for subscription memberships. Call it my deep penny-hoarding roots, but the evidence is everywhere — perhaps most obviously in my password manager, which is a veritable graveyard of exes’ Netflix logins. I like fast, free shipping as much as the next millennial, but $119? It just seemed like too much. I didn’t use any of Amazon Prime’s other features, like cloud storage or video streaming, and I doubted I’d top $119 in paying for standard shipping on individual orders over the course of a year. So in September, when my membership would renew at the higher price, I made up my mind and broke up with Amazon. I followed the rabbit trail to the page where I could cancel Amazon Prime and told them that yes, I was really, really sure. And then I proceeded to engage in a fraught, on-again-off again relationship with Prime like a lovelorn high-schooler. This is how it happened. How to Cancel Amazon Prime but Still Eke Out Free Shipping Here’s the thing. While I don’t use Amazon all the time, when I do, I’m accustomed to getting my goodies quickly.  For instance, I didn’t want to wait a week for a new set of sweat-resistant earbuds when my old pair gave out because cardio without bad hip hop is just unconscionable.  Neither, of course, did I want to pay the inflated prices for a Bluetooth-compatible set from Target. I was in a bind… and in that particular case, I ended up using my then-boyfriend’s Prime membership to replace my headphones quickly. (Note: His login credentials are now, indeed, part of the Netflix cemetery.) I stayed loyal to my determination to cancel Amazon Prime for a few weeks, replacing my white noise machine by ordering from the manufacturer. In fact, at the time, it was actually a better deal than the one I would have gotten from the online giant, because LectroFan was running a 15% off promotion. But then things started to fall apart. I’d filled up my existing Moleskine notebook and needed a new one — and since I’ve started with Moleskines and am just finicky enough to really care about the collection looking cohesive, I’m stuck with them now even though they’re expensive. So I ran around looking for one in the Real World, first checking Office Depot and then Target. Office Depot didn’t have one, and Target’s cost significantly more than the on-sale iteration on Amazon, which had this weird, zig-zaggy cover, but that was fine by me. By the time January rolled around, I found myself taking advantage of the week-long free trial membership Amazon had unexpectedly offered me. I spent a handful of days placing boring orders for Sharpie pens and protein bars and Ziplock bags, saving me trips to Walmart. When that was over, I moved on to a $2 week-long trial period the company offered, which seemed obviously superior to paying $5.99 in shipping for a single item. At the end of March, I took advantage of a single month’s membership because I wanted a honing steel for the fancy knife I’d gifted myself at Christmas. What I mean to say is, I am a certified Amazon Prime addict. Prime and I are in a co-dependent relationship. If you have a recommendation for a counselor, let me know. FROM THE SAVE MONEY FORUM For those Who do not drive, what is the cheapest way to get around? 8/15/19 @ 9:55 PM M Saving money on pet meds 9/11/19 @ 11:41 AM Acorns 8/14/19 @ 2:00 PM How to save when grocery shopping 8/15/19 @ 10:43 AM See more in Save Money or ask a money question So What’s the Deal With All These Trials, Though? I have to say, when I first quit the service, I didn’t expect things to go awry. But I was offered free or discounted trial memberships almost constantly — which was really surprising, given the fact that Amazon is trying to make more money off its Prime subscriptions. I got curious about the algorithm behind how these trials are offered: How many times can you re-up your abbreviated version of Prime before you have to spring for the real deal?  But poking around the Amazon Prime Terms doesn’t offer much clarity. It turns out the retailer doesn’t want to tell you how to cancel Amazon Prime! As they state, the company “sometimes offer(s) certain customers various trial or other promotional memberships,” leaving lots of leeway for them to serve up (or not serve up) trials as they see fit. Some sources say that users are only eligible for one free Prime trial per year, but that doesn’t take the discounted trials into account — and I was definitely offered a free week within the first few months. Obviously, these nitty-gritty details are the type that can probably change on a moment’s notice. What I can say for sure is this: The psychology of not wanting to pay for shipping once you’ve become accustomed to free shipping is powerful, especially when paying for another trial membership is the cheaper option in the short run.  I’m pretty good at setting reminders to cancel trial memberships, so I don’t regret my turbulent relationship with Prime. Jamie Cattanach is a freelance writer whose work has been featured at Fodor’s, Yahoo, SELF, The Motley Fool, The Huffington Post, Roads & Kingdoms and other outlets. Wave hi to @jamiecattanach on Twitter, or 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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Mrs. Meyer’s Clean Day Multi-Surface Everyday Cleaner only $2.22 shipped!

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Mrs. Meyer’s Clean Day Multi-Surface Everyday Cleaner only $2.22 shipped!
This post may contain affiliate links. Read my disclosure policy here. Love Mrs. Meyer’s? Get this Mrs. Meyer’s Clean Day Multi-Surface Everyday Cleaner for the lowest price on record! Amazon has this Mrs. Meyer’s Clean Day Multi-Surface Everyday Cleaner, Lemon Verbena for only $2.22 shipped when you checkout through Subscribe & Save! This is the lowest price ever on record! Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. [...]
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How to Make Your First $100 From Blogging {free class}

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How to Make Your First $100 From Blogging {free class}
Are you a new blogger or a longtime blogger who still hasn’t figured out how to really make money from blogging? You don’t want to miss my new brand-new class on How to Make Your First $100 From Blogging. Best of all, it’s FREE! In this free class, you’ll learn: 5 tried and true ways YOU can make money from your blog today The #1 mistake most bloggers make that keeps them from earning an income My secrets for building a 7-figure blog on a shoestring budget Plus, you’ll have the opportunity to ask me your burning questions about monetizing a blog Go here to sign up for one of the two times I’m teaching it on Saturday or the one time I’m teaching it on Monday. The class will be about 50 minutes long and then I’ll allow 30 minutes extra at the end to answer your questions live. By the way, on these classes, I’ll also be unveiling my brand-new course, Monetize Your Blog: A Beginner’s Guide to a Profitable Blog. You’ll be one of the first ones to have the opportunity to sign up for it! P.S. If you can’t make it to the live class, still go ahead and sign up because I’ll be sending you a replay of the class once it’s finished. [...]
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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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15 Ways to Eat Out on the Cheap

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15 Ways to Eat Out on the Cheap
Want some tips on how to eat out on the cheap? Here are 15 tried and true ideas to help you enjoy restaurant food — on a budget. How to Eat Out on the Cheap Love eating out? Don’t love how much it can cost? Here are 15 ideas to save money on eating out:a 1. Go out to lunch instead of dinner. 2. Always use restaurant coupons. 3. Order water instead of beverages that cost. 4. Split an entree with someone else when possible. 5. Sign up for Birthday Freebies and use those when you eat out. 6. Go out for dessert instead of a full meal. 7. Use restaurant gift cards that you bought discounted. 8. Sign up for restaurant apps and email lists to be notified of great coupons and specials — or even freebies! 9. Earn free restaurant gift cards from Shopkick, Fetch, and Swagbucks. 10. Go on Kids’ Eat Free nights. 11. Eat a snack before you leave the house so you’re not as hungry. 12. Don’t order appetizers or desserts. 13. Eat out at Costco or IKEA instead of a restaurant. 14. Apply to be a mystery shopper and you could get paid to eat out! (I have done this many times in the past!) 15. Go to a fast food restaurant with a dollar menu and let everyone choose 1-3 items off the dollar menu! What are your favorite tips for saving money on eating out? Share them in the comments! P.S. For more ideas, check out this post on How to Save Money on Eating Out. [...]
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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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*HOT* Up to 60% Off Columbia Pants For The Family + Free Shipping!!

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*HOT* Up to 60% Off Columbia Pants For The Family + Free Shipping!!
This post may contain affiliate links. Read my disclosure policy here. Right now, Columbia is offering up to 60% off pants for the family! Columbia is offering up to 60% off pants for the family! No promo code needed. And shipping is FREE if you’re a Columbia Rewards Member (it’s free to sign up)! Check out these deals… Get these Kids Toddler Cypress Brook II Pants for just $10.98 shipped (regularly $19.99)! Get these Girls Trulli Trails Printed Leggings for only $11.98 shipped (regularly $30)! Get these Men’s CSC Bugasweat Pants for only $29.98 shipped (regularly $60)! Get these Men’s PFG Backcast Convertible Pants for only $21.98 shipped (regularly $45)! Thanks, Hip2Save! [...]
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FINRA Warns Investors of Potential Stock Fraud in Wake of Hurricane Dorian

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

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FREE subscription to Real Simple Magazine + Sports Illustrated for Kids
This post may contain affiliate links. Read my disclosure policy here. Yay! This super popular deal on a free subscription to Real Simple magazine has finally returned, plus you can get a free Sports Illustrated subscription, too! I just got a completely FREE subscription to Real Simple Magazine AND a completely free subscription to Sports Illustrated for Kids from Rewards Survey. Here’s how: I signed into my Rewards Survey account (if you don’t have an account, sign up here — it’s free!) I took a short survey that they offered me (it only took me about two minutes). As soon as I took the survey, they offered me $30 in free rewards points that I could spend on a number of different magazine subscriptions. I chose to get Real Simple magazine. You just fill out a simple form and click the “x” in the corner for any additional offers that pop up. After I had ordered my subscription to Real Simple magazine — completely FREE! — I was offered the option to take another survey. So I said yes. I took the second survey (again it only took me less than 2 minutes) and I was offered more magazines I could order for free. I chose to get Sports Illustrated for Kids. Again, I clicked the “x” in the corner for any additional offers that popped up and got the free subscription. Note: I didn’t have to give any card information, so I won’t be billed ever nor will my subscription auto-renew. (Please be sure to NOT put your credit card information in, or you’ll be billed extra charges for extra offers. You should be able to get this freebie without any payment information!) Go sign up and get your free subscriptions! And let me know which magazine subscription(s) you choose! I can’t wait to get my FREE magazines in the mail… and Silas is going to be excited about getting Sports Illustrated for Kids! [...]
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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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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