Lower Your Home Improvement Budget with These Tips to Save at Lowe’s

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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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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These Are the Tax Brackets for 2020 (Plus 4 Tax Changes to Know About)

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These Are the Tax Brackets for 2020 (Plus 4 Tax Changes to Know About)
The year 2020 is looking a lot like 2019, at least in terms of taxes. The IRS just released its inflation adjustments for 2020 federal income tax rates and brackets. While these changes are unlikely to have a huge impact on your bottom line, there are a few things you should be aware of heading into the new year. Because these are the 2020 tax rates, they’ll determine your tax bill that will be due in 2021. You’ll use 2019 rates and brackets when you file your taxes on or before April 15, 2020. How the 2020 Tax Brackets Break Down There are seven tax brackets that range from 10% to 37%. The 2020 tax brackets break down as follows: Unmarried Individuals Tax Bracket Taxable Income 10% Up to $9,875 12% $9,875 to $40,125 22% $40,125 to $85,525 24% $85,525 to $163,300 32% $163,300 to $207,350 35% $207,350 to $518,400 37% Over $518,400 Married Individuals Filing Jointly or Surviving Spouses Tax Bracket Taxable Income 10% Up to $19,750 12% $19,750 to $80,250 22% $80,250 to $171,050 24% $171,050 to $326,600 32% $326,600 to $414,700 35% $414,700 to $622,050 37% Over $622,050 Heads of Household Tax Bracket Taxable Income 10% Up to $14,100 12% $14,100 to $53,700 22% $53,700 to $85,500 24% $85,500 to $163,300 32% $163,300 to $207,350 35% $207,350 to $518,400 37% Over $518,400 Pro Tip Not sure of your filing status? This interactive IRS quiz can help you determine the correct status. If you qualify for more than one, it tells you which one will result in the lowest tax bill. Tax rates apply to the income within each bracket. So if you’re an unmarried individual with taxable income of $50,000, you won’t pay 22% of that $50,000 to Uncle Sam. According to the 2020 tax brackets, you’d pay: 10% on the first $9,875 12% on the next $30,250 ($40,125 – $9,875 = $30,250) 22% on the next $9,875 ($50,000 – $40,125 = $9,875) 4 Tax Changes That Could Affect You in 2020 The modified tax brackets aren’t the only changes the IRS announced. About 60 tax provisions will be adjusted in the new year. A few highlights: The standard deduction will rise slightly: The standard deduction will rise by $200 to $12,400 for people who are single filers or married filing separately. For those who are married filing jointly, the standard deduction will rise by $400 to $24,800. You may be able to save an extra $500 for retirement: If you have an employer-sponsored tax-deferred retirement plan, like a 401(k) or 403(b), your maximum contribution is $19,500 in 2020, up from $19,000 in 2019. The additional “catch-up” contribution workers ages 50 and older can make will also go up by $500, from $6,000 to $6,500. You can contribute an extra $50 to a flexible spending account. In 2020, the maximum contribution individuals can contribute is $2,750. Some limited-income families can get an extra $103. The maximum Earned Income Tax Credit will increase to $6,660. You need at least three children to qualify for the maximum amount. 3 Tax Rules That Aren’t Changing in 2020 IRA contribution limits won’t change. The traditional and Roth IRA contribution limits will remain at $6,000 for people under 50. The extra $1,000 “catch-up” contribution the IRS allows people 50 and older to make won’t change either. You can still gift someone up to $15,000 without paying the federal gift tax. The gift tax exemption is something you might want to take advantage of if you’re contributing to a 529 plan. There’s no limit on itemized deductions. The Tax Cuts and Jobs Act of 2017 suspended these limits. Ready to Start Your 2020 Tax Prep? OK, we get it: You’re probably not thinking about your 2020 taxes yet. After all, you haven’t even had your 2019 Thanksgiving turkey. But if you’re the plan-ahead type, you can check out this comprehensive summary of 2020 tax changes courtesy of the IRS. Even if you’re not ready to jump into 2020 tax planning mode just yet, keep in mind that a new year is often a good time to check your tax withholdings and make adjustments if necessary. So make a date with yourself in early January for a quick tax checkup. Robin Hartill is a senior editor at The Penny Hoarder. She edits and writes stories about bank accounts, credit scores, home buying, insurance, investing, retirement and taxes. She is also the voice behind the Dear Penny personal advice column, which is syndicated in the Tampa Bay Times Sunday business section. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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This Week’s $70 Grocery Budget + What We Ate For Dinner

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This Week’s $70 Grocery Budget + What We Ate For Dinner
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. I was excited about the deals we found this week and we ate some really yummy food! Kroger Shopping Trip #1 2 bags of avocados — marked down to $0.99 each 3 bags of potatoes — marked down to $0.99 each 1 bag peppers — marked down to $0.99 Milk — $2.99 1 container cottage cheese — $2 2 heads lettuce — $1.79 each 1 bag of apples — marked down to $0.99 Total with tax: $17.05 Some of the apples in the markdown bag above were Granny Smith, which none of us are fond of eating raw. So I made Cinnamon Apples in the Instant Pot with them. These were a HUGE hit with the kids and they ate them up in just a few minutes. Next time, I definitely need to double the recipe! I was so excited about a few of the Weekend Deals at Kroger — especially the cheese deal! Kroger Shopping Trip #2: La Croix — $1.99 per 8-pack with Friday-Sunday deals Classico Pasta Sauce — $0.99 each with Friday-Sunday deals 5 Simple Truth Greek yogurts — marked down to $0.49 each 2 bags of Quaker Rice Snacks — $0.99 when you buy 10 participating items 3 boxes Swiss Miss — $0.99 when you buy 10 participating items 5 bags/packages Kroger cheese — $1.29 with Friday-Sunday deals 2 containers cottage cheese — $1.49 each when you buy 10 participating items Coconut sugar — marked down to $0.99 3 boxes pasta — $0.49 each when you buy 10 participating items 1 box pasta — marked down to $0.39 Taco Kit — marked down to $0.99 Half & Half — $1.49 5 cans Green Giant veggies — $0.49 each when you buy 10 participating items Grapes — $0.99/lb. 2 packages meat — marked down to $2.50 each Milk — $2.79 Honeycrisp apples — 3 lb. bag for $2.99 4 cans Swanson broth — $0.49 each when buy 10 participating items Total with tax: $48.34 Dinners From This Past Week Sunday — Frozen pizza, leftovers (fend for yourself) Monday — Chicken Tetrazzini, Best Ever Bran Muffins, Green Beans, Celery with peanut butter Tuesday — Chicken Noodle Soup, Biscuits, Grapefruit, Pumpkin Bars Wednesday — Pumpkin Pancakes, Bacon, Cinnamon Apples in the Instant Pot Thursday — Roast with Potatoes and Carrots and Onions in the crockpot Friday — $0.45 Potato Soup with bacon and cheese Sunday — Dinner out What did you eat at your house this week? Any winner frugal recipes you tried that you think we should try? [...]
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6 Alternative Housing Options That Can Help You Save Money

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6 Alternative Housing Options That Can Help You Save Money
The rent is too darn high, and it’s hard to catch a break. The same can be said about paying the mortgage each month. With housing costs eating up about a third of many household budgets, it’s typically the highest single expense Americans face each month. Still, you’ve got to have a roof over your head. Here are six alternative housing options with the potential to significantly cut costs while keeping you comfortably sheltered. 1. Coliving Imagine living with a bunch of strangers for the sake of saving money on housing. Coliving is an alternative housing concept where multiple, unrelated individuals live under the same roof sharing common space like living rooms and kitchens while enjoying private bedrooms … and private bathrooms, if they’re lucky. While the living arrangement is not new, it has gained popularity in recent years among cash-strapped millennials in urban areas. But coliving can also be found outside major metropolitan cores. Jillian Warwick moved into a St. Petersburg, Florida, coliving space this summer. She pays $600 in a city where rent on a studio apartment can exceed $1,200. Her monthly payment includes utilities and high-speed internet, and the home includes free laundry access and is stocked with complimentary coffee and household supplies. 2. Tiny House According to the National Association of Home Builders, a median new single-family home was 2,355 square feet in the beginning of 2019. Tiny homes, in comparison, are typically less than a quarter of that size. Though the living space is smaller, the potential to save is larger. In addition to spending less on the home itself, tiny house dwellers often pay less in utilities, and they buy less things because of the limited space. Andrew and Gabriella Morrison and their two kids cut roughly $300 in monthly expenses (or about $3,600 a year) from their budget by switching to tiny house living. Joel Weber built his own tiny home while in college. After spending between $13,000 and $16,000 for the build, his combined cost to park his home and pay for utilities came to about $300 a month — almost a third of the cost of living in a dorm. 3. RV Experience a nomadic lifestyle by living in an RV. These tiny houses on wheels are a fraction of the size of a typical home but also a fraction of the cost. Cortni Armstrong ended up moving to an RV five years ago. Her living situation was the catalyst to a new career: renovating and flipping RVs. Armstrong has sold remodeled RVs in the $30,000 range — which can sometimes be a mere down payment for a traditional home. Like with tiny house living, don’t forget to factor in the rent at a campground or RV park if you don’t own land to park on. 4. Skoolie Similar to an RV but in a more unique package, a skoolie is a decommissioned school bus that has been converted into a home on wheels. It can also be less expensive than an RV. Phil Risher bought a bus for $5,000 and spent $2,000 transforming it into his living quarters for a 95-day trip around the country. He and his father took on the renovation themselves using a free layout from Pinterest and tips from YouTube videos. 5. Off Grid Ever want to distant yourself from the constructs of modern society? Off-grid living is an alternative housing option that requires you to be self-sustaining. You rely on independent power and water sources rather than municipal services. You grow or hunt your food rather than shopping at a grocery store. Tyler and Ashley Selden and their daughter Sydney maintain an off-grid lifestyle in Alaska. Though it’s a lifestyle choice rather than a financial one, they estimate they save up to $10,000 a year just by growing, fishing or hunting their own food. 6. House Hacking House hacking, in a nutshell, is buying property and recruiting others to help you pay the mortgage. Riley Adams and his girlfriend (now wife) lived in a three-unit residential property in New Orleans cost-free for three years. Their house-hacking arrangement involved renting one unit out and having Airbnb guests in the other, which covered the mortgage. House hacking is also possible without living in a multiunit property. Kristine Dowhan became an Airbnb host, listing three bedrooms of her four-bedroom home to afford her mortgage. She even made a $1,200 profit her first year renting out rooms. Even if you don’t have extra bedrooms in your home, you can get creative with the space you do have. John Potter rented out a tent in his backyard on Airbnb. Talk about thinking outside the box! 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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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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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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Spend Too Much on Vacation? These 5 Tips Will Help You Rebuild Your Savings

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Spend Too Much on Vacation? These 5 Tips Will Help You Rebuild Your Savings
The best vacations are carefree escapes from everyday stresses. Bills and budgets? That’s for non-vacation life. When you’re on the beach or at a five-star mountain resort, you buy the lobster dinner, you splurge for the couples massage and you make sure to pick up a few souvenirs along the way. But once you return home, you’re hit with the realization that you spent much more than you intended. Making up for a huge dent in your savings can be tough, but these five ways will help you save up money when you’re coming down from that vacation high. 1. Try the Pantry Challenge Going to the grocery store to restock the fridge is a natural response after spending a week or two away from home. But what if you delayed that shopping trip and got creative with what you already have? The pantry challenge involves using up the often overlooked food in your cupboards, freezer or fridge before buying new ingredients. Then, if you normally drop about $100 on your weekly grocery trip, you can add that to your savings instead. Of course, pantry items won’t sustain you forever. Making a meal out of rice and ketchup is really pushing it. When it’s finally time to go shopping, try using some of these tips to save money on groceries. 2. Sell Clothes You Never Wear As you’re unpacking your suitcase and putting things away, take inventory of your closet and drawers. Surely you’ve got a few items in there that never see the light of day. Turn a profit by selling your old clothes online, using a clothes-selling app or going to a brick-and-mortar second-hand shop to make the sale. Not only will you get cash to pad your savings, but now you have extra room for those graphic tees you bought on vacation. 3. Take a Break from Spending If you blew through a lot of money over vacation, balance things out with a no-spend challenge. You don’t have to commit to a month of not buying anything besides essentials — though that would do wonders for rebuilding your savings. You can customize your no-spend challenge in a variety of ways, like focusing on temporarily nixing your weakness for buying things on Amazon. While you’re on your spending freeze, try not to think of it as deprivation. Try some free ways to have fun, like exploring the great outdoors, being a tourist in your own city or hosting a game night at home. 4. Automate Your Savings Use automation to take the work out of saving money. Money-saving apps like Digit and Acorns pull small amounts from your checking account to save without you even thinking about it. A few dollars here and there will add up over time. If micro-saving apps aren’t your thing, arrange for a percentage of your paychecks to be deposited directly into your savings account, or pay yourself first by setting up automatic transfers from your checking to your savings account right after payday. 5. Bite the Bullet and Start Budgeting Your Money You may think you’re getting by fine without budgeting, but establishing a plan for your spending — and prioritizing saving — can help you make up for overdoing it on vacation. Learn how to develop — and stick to — a budget next month with these seven steps to budgeting. If you think you’ll have trouble sticking to your spending limits, try the cash envelope system. This method keeps you from overspending, because you physically have no more cash once the envelopes are empty. No cheating and swiping your debit card! 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 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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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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You Could Save Money by Ditching These 9 Disposables and Buying Reusables

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You Could Save Money by Ditching These 9 Disposables and Buying Reusables
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. Saving the planet doesn’t always come cheap. Many of the disposable products we use and love are easy to buy at lower prices than their reusable counterparts. But the convenience of disposable products often comes at a steep cost to the environment. Plastic bags and straws pollute the ocean and end up being ingested by sea animals. Disposable diapers take hundreds of years to decompose in landfills. Reusable products often cost more up front, but you may be surprised to find out how soon they end up paying for themselves since you can use them again and again instead of buying more of the disposable versions. 9 Reusable Products That Will Save You Money Over Time We took nine household products, searched for both reusable and disposable versions on Amazon and compared the costs. Here’s how they stacked up. Editor’s note: The prices in this post are valid as of Sept. 23, 2019. Diapers Diaper prices can vary widely. For example, cheap (read: leaky) store-brand diapers cost just a few cents each, while Pampers can set you back $40 a week. The same is true of cloth diapers.  For this comparison, take a cloth diaper costing $4.50 and 16 disposable diapers at 28 cents each, and the cloth diaper has paid for itself after 16 diaper changes. Multiply that over two years of a child’s life before potty training, and there are major savings to be had by reusing cloth diapers — many of which have different settings that adjust to your baby’s growth. Dryer Balls If you’ve never heard of dryer balls, they’re little wool balls about the size of a tennis ball that you throw in your dryer with your wet laundry in place of fabric-softening dryer sheets. Because the wool can absorb some moisture from your clothes, manufacturers claim they cut down on energy use and drying time. They can also save you some pennies. A set of six reusable wool dryer balls costs $7.97, while a box of 240 disposable dryer sheets costs — wait for it — a buck more. This one’s a no-brainer. Feminine Products Listen up, gal pals. We’re here to tell you that you are not — we repeat, NOT — doomed to pay an exorbitant monthly fee for tampons and liners and pads (not to mention Midol) simply for the privilege of being female. With a box of 40 tampons costing $6.47 and 38 pads ringing in at $6.97 times every month of your adult life, it’s … a lot. So consider this: One pair of Thinx period underwear is $23, and a Diva cup is $24.48. K-Cups Did you even know there was a reusable alternative to those little pods of delectable, life-giving coffee? There totally is!  While a box of 40 Starbucks K-Cups will set you back $28.36 (OUCH), a set of four reusable pods that you just refill with your favorite ground coffee runs $9.95.  Paper Towels One cloth kitchen towel at $1.33 is only slightly more than the cost of one roll of paper towels at a cost of $1.10 per roll. Enough said. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 8:24 AM Traveling All 50 States On a Budget 10/9/19 @ 4:40 PM Acorns 8/14/19 @ 2:00 PM Saving money on pet meds 9/11/19 @ 11:41 AM See more in Save Money or ask a money question Razors Razors are synonymous with disposable. A box of 100 of the plastic ones: $17.90. A single chrome reusable safety razor (that will make you feel like Don Draper): $12.66. You do have to replace the blade on the reusable one. Don’t worry, they’re cheap. A box of 100 is about $7. Straws A stainless steel straw costing $.75, or $5.99 for a set of eight, is equal to the cost of about 19 disposable straws at 4 cents each. That means that after 19 uses, the reusable straw has essentially paid for itself — plus you’ve got seven more left over. Sandwich Bags This set of six reusable sandwich bags costs $9.99, while a box of 280 Ziploc bags runs about $8.38. Think about it this way: The first time you replace that box of disposable bags, you’ve nearly bought another whole set of the ones you could be reusing. Water Bottles One reusable water bottle costing $15.76 is equal to the cost of about 72 single-use water bottles at 22 cents each.  Translation: Refill your bottle 72 times and then you’re done paying for water entirely. That’s a considerable up-front cost, but these products — and really all reusable replacements — are all about long-term savings. Not to mention tossing a little less waste in the landfill. Nicole Dow is a staff writer at The Penny Hoarder. Senior editor Molly Moorhead contributed to this report. 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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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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5 Questions to Ask Before You Tweak Your Budget

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5 Questions to Ask Before You Tweak Your Budget
I would love to see a post on adjusting your budget. How do you know when you need to increase your budget or when you need to decrease your spending? I LOVE your posts that give us questions to consider when making decisions. I would love to see questions to help me know if I should increase the budget amount for groceries or auto repairs whatever it is, or when we should cut back our spending. Thank you so much. -Melissa This is such a great question, Melissa! I don’t think there are any 100% cut and dry answers or one-size-fits-all systems when it comes to when to raise or lower your budget. But I do think there are some general questions to ask before you overhaul your budget. Here are five questions I recommend asking before you tweak your budget: Questions to Ask Before You Tweak Your Budget 1) Are we struggling to make ends meet every month? This is one of the most important questions to ask. If you are barely making ends meet every month (or they are not meeting every month) then it’s time to do a serious look at your budget. Where is every dollar going every month? (If you don’t know the answer to this question, I highly recommend you check out Total Money Makeover from the library and follow the steps outlined to set up a budget. We’ve found that using software to track all of our expenses and income is so helpful to know exactly where we stand at any given moment of the month.) If you do know where every dollar is going and you are struggling to make ends meet, it’s time to look carefully at whether there is anything you can cut, cut back on, or shave off. Don’t see anything you can change? What about looking into ways you can increase your income? If you do know where every dollar is going and you aren’t struggling to make ends meet, then move on to the following questions. 2) Is it a causing stress and contention to stick to our budget in this category? If you are finding that you are feeling stressed by a budget category every month, it’s time to take a hard look at that category, what you are spending, and why you’re feeling stressed about it. For those of you who are married or who have other people who are involved in your budgeting, is this contributing to the stress? If so, why? Can you have an honest conversation about it without being frustrated or accusatory? 3) Why did we choose this budget amount in the first place? Truth be told, I think this is possibly the most important question to ask. Did you just pick a number out of the sky? Is this number the number you spent 5 years ago when you only had one child and now you have three but you feel like you shouldn’t change your budget because it’s what you’ve always had it set at? Did you choose this number because a friend (or someone online!) spends this on groceries or eating out and you wanted to prove that you could? Take a hard look at the why behind your budget categories. Is the why in line with your priorities? 4) What does my spouse think? If you are married, please do not be making budget changes without having a heart-to-heart conversation with your spouse. Budgeting is a team effort! It requires communication and compromise. The less you can point fingers and instead lock arms and get on the same page, the stronger your budgeting success will be! 5) Could we find an easy way to spend less? Do you need to be spending as much as you are spending in this category? Is there something simple you could change or tweak that would allow you to spend less? If you are thinking of raising your budget in one area, is there another area where you could lower it? (Check out this post for 30 Super Easy Ways to Save Money.) As always, I think it’s important to remember that the goal of a budget is to serve you, not the other way around. A budget is a tool to benefit your life, not a slave master to make you miserable! (Psst! For more encouragement, read my post on We Need to Have an Honest Conversation About Budgeting.) What questions do you ask before you change your budget? I’d love to hear! 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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Our Halloween Party on a Budget!! #DollarGeneralFinds

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Our Halloween Party on a Budget!!  #DollarGeneralFinds
This is a sponsored post on behalf of Dollar General. All opinions are my own and were not influenced by any parties. Halloween is quickly approaching! I will admit that I am often a last-minute planner when it comes to figuring out costumes for my kids. Well, there was one year where they were a ... Read More about Our Halloween Party on a Budget!! #DollarGeneralFinds The post Our Halloween Party on a Budget!! #DollarGeneralFinds appeared first on Penny Pinchin' Mom. [...]
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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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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 Surprising Features That Boost Your Home Value

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7 Surprising Features That Boost Your Home Value
Monkey Business Images / Shutterstock.com There are many ways to increase your home’s value without taking on expensive remodeling projects. In fact, many remodeling projects don’t even pay for themselves, as we detail in “The 5 Worst Home Upgrades for the Money.” So, instead of hiring a contractor, focus on the things you can do yourself — and appreciate the things... [...]
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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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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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Ready for a Change of Scenery? These 9 Cities Will Pay You to Move There

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Ready for a Change of Scenery? These 9 Cities Will Pay You to Move There
If you could use a change of scenery, why not get free money to move somewhere? In the face of declining or slowing population growth, some cities have decided to get aggressive about their survival. Some are giving away free land, others free tuition, and still others are literally handing out stacks of cash to folks who agree to move their metropolitan area. Here are 10-plus places that really, really want you to move there… Places That Will Pay You to Move There If you’re already looking for a new place to call home, but you don’t have your heart set on a specific area, there are plenty of ways to determine a good fit for you. If you’re just starting out your career, we’ve found the top 10 cities for wage growth. And if it’s closer to quitting time, we’ve found 11 surprisingly affordable cities for retirement. But if you’re simply looking for a change and welcome a financial incentive, we’ve found 10 cities — and two states — that are offering deals worth thousands of dollars to entice you to make their communities your home sweet home. 1. Tulsa, Oklahoma Oklahoma’s second largest city is offering to pay remote workers $10,000 cash to relocate there through its Tulsa Remote program. You’ll get some upfront cash to help with relocation expenses, then a monthly stipend for your first year. At the end of the year, you get the remaining dough. And they’ll throw in a desk at a coworking space so you don’t have to work out there on the plain all by your lonesome.  The only requirements are that you must be 18 years old, eligible to work in the United States and, you know, want to live in Tulsa. The 2019 application has closed, but you can sign up to receive an alert as soon as the 2020 application opens. FYI: You’ll need to be ready to move to Tulsa within six month if accepted. 2. Hamilton, Ohio Hoping to boost its college-educated quotient, Hamilton, Ohio, has a “reverse scholarship,” which pays successful applicants up to $10,000 to move to this small city outside of Cincinnati — paid out in 30 convenient $300 installments. To qualify, you must have graduated within the last seven years from a STEAM (Science, Technology, Engineering, Arts or Mathematics) program. And you can’t currently live in the city of Hamilton, but you must demonstrate employment within Butler County (where Hamilton is located).  The city’s website also states a preference for those with a desire to give back and engage with the community, so perhaps this is your shot to stage that community theater production of… “Hamilton.” Just sayin’. 3. Marquette, Kansas Anyone who’s ever driven cross country via I-70 knows Kansas has no shortage of open space. The state has experienced declining population growth since the early 1900’s, so towns like Marquette have been giving out free plots of land in order to entice new residents. Marquette’s free plots are located on the west side of town in the Westridge Addition, and the website promises beautiful sunset views over the open fields. To qualify for the free land, you must agree to build a home on the land within one year, and commit to living there for at least a year after your home is completed. 4. Lincoln, Kansas Here’s another Kansas town offering free land to qualified inhabitants. According to its website, you’ll be able to see the buffalo roam from your home on the range, should you take them up on their offer. Again, you’ll have to comply with the city’s requirements for building and inhabiting a home within set time parameters. Contact Lincoln City Hall for full details. Even if neither Marquette nor Lincoln quite suits you, you might be able to take advantage of Kansas’ Rural Opportunity Zones elsewhere. They cover 77 counties, and benefits include tax waivers and student loan repayments. 5. Curtis, Nebraska How’d you like to build your dream home — without spending a dime on the land itself? It’s possible in Curtis, Nebraska. Construct a home in Curtis within a set amount of time (and according to certain specifications), and you’ll receive the land free. All of the lots come utility ready and are located on paved streets. And in Curtis, it’s the more the merrier — and more lucrative. The family incentive program awards $500 for the first kid, $750 for two and $1,000 for three more children who move to the city and enroll in the Medicine Valley Public Schools. FROM THE MAKE MONEY FORUM work at home 4/4/19 @ 1:26 AM business development 10/2/19 @ 2:27 AM T FlexJobs 9/27/19 @ 9:43 PM s SSDI Isn't Enough To Make Ends Meet 9/25/19 @ 2:38 PM See more in Make Money or ask a money question 6. New Richland, Minnesota Life’s simpler in the Midwest — especially when you can get land for free. If you build a home within a year of receiving the land’s deed, your new property in New Richland’s Homestake subdivision will be 100% free of charge. Plus, the town’s in proximity to a golf course, lake and bike trails. 7. Harmony, Minnesota Want to move to the “Biggest Little Town in Southern Minnesota”? The town of Harmony will provide home-builders a cash rebate of up to $12,000 to cover costs of construction — and the program has zero age, income or residency restrictions. 8. Niagara Falls, New York Need help repaying your student loans? Who doesn’t? It might be as easy as moving to scenic Niagara Falls, New York. The city will reimburse you for student loan payments up to nearly $7,000 if you agree to live in specific neighborhoods for two years. Plus, you’ll live right next to one of the seven natural wonders of the world.  9. Baltimore, Maryland Ready to give a little love to an underloved property — and get paid for it? Baltimore’s Vacants to Value Booster incentive gives $10,000 to buyers of Vacants to Value properties in an effort to address the blight caused by abandonment in the area. The home must be your primary residence, and you must be willing to invest at least $1,000 of your own resources. Also, the $10,000 must go toward your down payment and closing costs. If that’s not enough reason to Old Bay country, the city also has a Buying Into Baltimore program that offers a $5,000 incentive to use toward buying a home anywhere in Baltimore. You must attend a Trolley Tour event to be eligible; 30 individuals are selected on a lottery basis. Still not convinced? We have two words for you: crab cakes. Bonus: Anywhere in Alaska or Vermont Why limit yourself to just one city when Alaska and Vermont will pay you to live anywhere in their states? Since 1976, Alaska has paid its residents to live there via its Permanent Fund Dividend. The payouts are funded by Alaska’s oil royalties and are divided up evenly among citizens. Yearly payouts vary, but the 2018 dividend was $1,600. Not too shabby just for being there! To be eligible for the rebate, you must not claim residency in any other state or country. Check out the full details here. Vermont, on the other hand, is making its case for remote workers to relocate to the land of maple syrup. The state’s Remote Worker Grant Program will pay for “qualifying remote worker expenses” up to $10,000 — $5,000 per year for up to two years. And in 2020, [...]
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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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Survey: Lack of Financial Literacy Means Lower Incomes, Less Savings

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Survey: Lack of Financial Literacy Means Lower Incomes, Less Savings
Almost one quarter of Americans have no savings and even more — 40% — don’t keep a budget. One driving factor: a lack of financial literacy in the U.S., according to a survey by The Penny Hoarder. The problem, say experts from government organizations, advocacy groups and academia, comes from a lack of education on personal finance topics, beginning at home and continuing in school. “Parents will sooner talk about sex, drugs and alcohol than they would about money,” said Rob  Sansome, director of strategic initiatives at the Florida Prosperity Partnership, which partners with local organizations and agencies to promote economic stability. The survey also found that one-third of Americans while growing up did not discuss basic personal finance topics, such as credit scores, debt, being a smart shopper or opening a basic savings account. Only 13% of those surveyed talked about their own family’s financial situation. It’s like teaching a kid how to ride a bicycle. We didn’t get them a book on balance and motion, we put their butts on a bicycle and let them scrape their knees a little bit. The April 2019 survey of more than 1,500 adults underlines just how much early financial education impacts financial health in adulthood: 17% of those who discussed finances growing up have no savings at all. That figure balloons to 40% among those who had no early financial literacy. 18% of those who talked about money management at home report household income of less than $50,000. But for those who didn’t talk about money, almost a third — 31% — earn less than $50,000.  Here are some other survey highlights: 13% of those surveyed talked about their family’s finances while growing up. Only 20% of Americans learned about the importance of credit scores. 40% of Americans do not maintain a budget. 23% of Americans have no savings; 40% of Americans have less than $1,000 in savings. So how did we get here? Financial Literacy Gap Widens Across Generations Teaching basic financial concepts to children leads to better money outcomes when they grow up. It’s a point experts can’t emphasize enough, but it’s easier said than done. Embarrassment is one of the main reasons parents struggle instilling financial literacy in their children. They might be embarrassed about their own finances and even bringing up the topic brings on pangs of regret. “I can’t tell my child not to go into debt without cursing myself because I’m in debt,” Sansome said. “It all comes together in this quiet, creeping lack of knowledge.” Another factor driving financial illiteracy, Sansome said, is our culture’s obsession with tackling debt versus saving in the first place. For example, if you turn on the TV you’re far more likely to be hit with a barrage of advertisements for loan refinancing services rather than budgeting apps. “I call it the Smokey Bear concept,” said Bill Mills, president and CEO of the Florida Prosperity Partnership. “We need to have a national campaign on the good of saving and not have it be perceived as spending’s stinky brother.” Further compounding the problem with saving, those who didn’t discuss personal finance topics while growing up are more likely to fall within a low-income stratum, according to The Penny Hoarder survey and an analysis of data Consumer Financial Protection Bureau. Our survey found that nearly one-third of Americans who didn’t talk money management as children report household income of less than $50,000. That and other factors can lead some parents to question their own financial knowhow and whether they’re qualified to be passing on information to their kids, said DeAndrew Geels, a senior who works as a financial adviser at Texas Tech’s Red to Black financial literacy program. “Money is such a taboo topic,” he said. “It’s something you don’t really like to talk about, and that can be pretty harmful for everyone.” For one, it’s a factor driving the rise in student loan debt, which has soared past $1.5 trillion this year. Many parents and students don’t take the time to understand the Free Application for Federal Student Aid, or FAFSA. The form determines whether a prospective student is eligible for financial aid.  Students or parents who miss FAFSA or other deadlines for financial aid awards leave free money on the table — and end up taking on debt to fill the void, said Erin Dunn, associate director of financial aid at the University of South Florida St. Petersburg. “Students were coming in the door without ever being exposed to financial concepts, and it was a much bigger conversation than financial aid,” she said. The repercussions stretch into the retirement years. In 2000, 12% of Americans over the age of 64 — about 4.1 million workers — were in the labor force, according to data from the U.S. Bureau of Labor Statistics. That number increased to  20%, or roughly 10.6 million people, this year. “People are very concerned about not having enough money for retirement and many people don’t,” said Helen Colby, assistant professor of marketing at Indiana University, who studies consumer financial decision making. FROM THE ANNOUNCEMENTS FORUM Some bittersweet news! 9/19/19 @ 11:42 PM This week in... The Penny Hoarder Community! 7/30/19 @ 3:26 PM This week in... The Penny Hoarder Community! 8/6/19 @ 2:47 PM New announcement: We've introduced a few new threads! 1/23/19 @ 5:32 PM See more in Announcements or ask a money question Financial Literacy Programs Can Help Break the Cycle There are hundreds of financial literacy programs run by nonprofit and educational groups throughout the country that are based on the FDIC’s MoneySmart program. The federal agency offers a guided online course that ends with a nifty certification.  In the 15 board game-style modules, the FDIC covers everything from making sure you get the best deal on a credit card to identity theft. And you can even order a physical copy for free. For those who aren’t into playing games, the Consumer Financial Protection Bureau broadcasts free monthly webinars on personal finance topics. The agency also has a database of answers to questions its experts have been asked over the year, and you can ask your own if you don’t find what you’re looking for. Pro Tip When crafting a monthly budget, be as specific as possible. You’ll be surprised at how much more you spend than you think. Every cup of coffee counts. The Penny Hoarder Academy offers simple, easily digestible information on budgeting, credit scores, groceries and even homebuying if you’re that far along on your financial journey. College students who want to get out ahead of looming debt have some options right on campus. Dunn, from USF St. Pete’s financial aid office, recently launched AFLOAT, a campus financial advising program that has attracted freshmen interested in budgeting, juniors and seniors interested in learning about student loan payment options and post-graduates hoping to catch up on personal finance topics. Dozens of colleges have programs like USF’s AFLOAT and Texas Tech’s Red to Black available free to students. For many students, college is the first time they’re de [...]
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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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Over 50? The CDC Says You Need These 4 Vaccines

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Over 50? The CDC Says You Need These 4 Vaccines
With summer fun now behind us, it’s time to prepare for a long fall and winter. So, if you are 50 or older, consider scheduling vaccinations that can keep you healthy — and even save your life. The aging process weakens our immune systems, putting us at greater risk for several types of disease, according to the U.S. Centers for Disease Control and Prevention. For this reason... [...]
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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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How to Save Money on Healthcare Needs For Your Family

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How to Save Money on Healthcare Needs For Your Family
If you ask many Americans, one thing that they need to save money on it is healthcare.  With the rising costs of both insurance and medical bills, it certainly can keep you up at night. You need healthcare coverage.  That is especially true if you have children.  They are good at getting sick and injured, ... Read More about How to Save Money on Healthcare Needs For Your Family The post How to Save Money on Healthcare Needs For Your Family appeared first on Penny Pinchin' Mom. [...]
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12 Ways to Get Cheap Photo Prints

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

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

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Salad Cutter Bowl
These are a great addition to any kitchen and at this price, you can grab more than one! You can get the Salad Cutter Bowl for only $6.45! You will be saving 71% on this purchase because it is normally $21.99! Be sure that you grab this deal soon because the prices can change at ... Read More about Salad Cutter Bowl The post Salad Cutter Bowl appeared first on Penny Pinchin' Mom. [...]
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Stop Overpaying for These 10 Common Purchases

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Stop Overpaying for These 10 Common Purchases
As a smart shopper, you probably spend a lot of time searching for the best deals. However, some of those great finds aren’t really all that terrific. In fact, a lot of so-called “good deals” can actually be found for free. However, freebies are not the only way to save money. In this report, we look at some free things, but also highlight lower-cost options you might be... [...]
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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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These Side Hustle Podcasts Will Make Managing or Growing Your Gig Easier

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These Side Hustle Podcasts Will Make Managing or Growing Your Gig Easier
Podcasts are often an overlooked resource for entertainment, education and advice on niche topics — side gigs among them. They’re often hosted by everyday people in the thick of things. Some gain cult followings and build supportive communities before the topic goes mainstream. For anyone considering extra work, such feedback and support are crucial. The right side hustle podcast can be the perfect source of both. Need a Side Hustle Podcast to Stay Motivated? How About 9? Despite how side gigs are portrayed, there’s a lot more to them than downloading an app and making money in your spare time. Reality is more complicated. Your gig should be a purposeful endeavor that doesn’t merely cover bills.  Ideally, your side gig should have an exit plan that helps you meet a financial or professional goal. For those currently in the thick of things, you may find that hustle culture is taking a toll on your health or relationships. It can be a lot to stay on top of. But the good news is that there are a plethora of podcasts to guide you along your journey, from voices big and small.  1. The Accidental Creative Since 2005, author and podcast host Todd Henry has been cranking out episodes that include interviews and tips to spur creativity and productivity. New episodes of The Accidental Creative come daily or twice weekly, depending on your preference.  Daily episodes are three-minute snippets of advice while the twice-weekly episodes run for about 20 minutes and include full-length interviews and strategies. 2. Before Breakfast Host Laura Vanderkam dishes out daily episodes of Before Breakfast, a podcast that focuses on time-management techniques. As a mother of four, author, public speaker and host of two podcasts, Vanderkam knows a thing or two about managing time. Each episode aptly runs about five minutes, and it can be easily baked into your morning routine — ahem — before breakfast. 3. Freelance Creative Exchange Every two weeks, CreativesAtWork releases a new episode of Freelance Creative Exchange, a no-frills, tip-based podcast for freelancers, especially international freelancers.  Each episode, which runs about 30 to 40 minutes, takes a deep dive into a different freelance strategy. While the podcast is produced by a Singapore-based media agency, the content is universally applicable — covering such topics as scaling from a few clients to full-fledged business, pricing your services appropriately, using social media to further your reach and much more. 4. How I Built This Hosted by Guy Raz and provided by NPR, How I Built This is an award-winning podcast that’s built on a simple premise: interview the most successful business owners and entrepreneurs of the day and dive into exactly how they achieved success. Each episode documents the struggles and hurdles of the early stages of starting a business, and highlights how many now-household brands started out as side gigs. New episodes are published every Monday. Hunker down. They’re about an hour long. 5. The Rideshare Guy Harry Campbell is the voice behind The Rideshare Guy. The aerospace engineer turned rideshare-driver-podcaster-blogger started driving for Uber and Lyft in 2014. He created a blog and a podcast to dive into the differences of each ridesharing app. Campbell features a diversity of sources related to ridesharing and the gig economy as a whole. Some drivers, some researchers and even some CEOs. Episodes run between 30 and 45 minutes and are released every other week or so. FROM THE MAKE MONEY FORUM WORK AT HOME 8/30/19 @ 2:14 PM T Laptops 9/5/19 @ 1:32 PM Work from home Southern_MiMi 9/3/19 @ 9:44 AM HOW TO START YOUR OWN ONLINE TUTORING BUSINESS? 9/4/19 @ 10:05 AM See more in Make Money or ask a money question 6. Sidegig Previously, Sidegig was more talk show than podcast. Three seasons featured discussions and lessons-learned from three hosts, Preston Lee, Ian Paget, Ryan Robinson, who all ran businesses in addition to their 9-to-5s (and hosting the podcast).  All these episodes are still available to listen to, but starting Fall 2019, the show is getting a revamp: New host Brian Hull will offer up side gig ideas, advice and tips from guests. New episodes will be released every Friday. 7. Side Hustle Pro Host Nicaila Okame seeks to tell stories that no one else tells. So, in 2016, she started Side Hustle Pro, a podcast that shares the journeys of black women entrepreneurs who have created and grown their side gigs into lasting businesses. New episodes air every Wednesday and typically feature an interview with a successful guest. In 40-ish-minute segments, Side Hustle Pro covers big-picture advice like handling imposter syndrome as well as the minutiae like pricing your freelance services to attract the right clients. 8. Side Hustle School To best-selling author and podcast host Chris Guillebeau, a side hustle is all about creating a new opportunity that works for you, not some other business or side-gig platform. Every day, and sometimes multiple times per day, Guillebeau releases a new episode of Side Hustle School with that credo in mind.  Each episode features a unique side gig from his guest and offers resources on how to create a similar gig or business. Sometimes the episodes are hosted by the hustlers themselves. In June, The Penny Hoarder sat down to interview Chris Guillebeau ahead of his new book, “100 Side Hustles,” which is largely based on his podcast series. 9. The Side Hustle Show Every week, host Nick Loper shares advice on everything side hustle — moneymaking ideas, gig-launching tips, progress-tracking strategies and more. (Loper also brought some of his ideas to The Penny Hoarder as a freelance writer in years past.) The Side Hustle Show is now 350 episodes strong. Most episodes run for 40 minutes, but you can opt for edited versions of the massive archive to hone in on certain topics or to get minute-long sound bites. So before you download an app, before you commit to something you haven’t yet fleshed out and definitely before you spend any money on overhead costs, gain some perspective by filling all that empty air with the soundwaves of people who have gone before you. Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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$70 Grocery Budget (I’m loving these weekend deals!)

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$70 Grocery Budget (I’m loving these weekend deals!)
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. I was excited about the weekend deals this week! Since the Labor Day sales went through Monday, we split up our budget so that we got some of them last week and some of them this week. Monday’s Kroger Shopping Trip 5 bags of Tyson Anytizers — $3.99 each with the weekend deals 4 bags of frozen veggies — $1 each Milk — $2.89 Half & Half — $1.99 2 half gallons Almond milk — $1.99 each 3 dozen eggs — marked down to $1.29/dozen 5 boxes of Betty Crocker brownie and cake mix — $0.50 each with weekend deals Total with tax: $42.03 I can’t remember the last time I bought Lunchables, but my kids absolutely love them. So when I saw that they were priced at just $0.99 at Kroger this weekend, I surprised them by getting them some. Needless to say, they were THRILLED! Friday Kroger Shopping Trip 5 boxes Lunchables — $0.99 each with the Friday-Saturday deals 4 lbs. ground beef — marked down to $2.49 each 1 bag of lemons — marked down to $0.99 2 bags of grapes — $0.99/lb. 1 tub lettuce — marked down to $1.79 2 family size boxes of cereal — $1.99 each with the Friday-Saturday deals Total with tax: $27 What We Ate This Past Week Note: When you see the meals below, please remember this: I buy ahead often. Which means that when I find a great deal on something I know we’ll use, I buy as much as I can afford in our budget to have on hand. This means that you aren’t going to see all of the groceries my shopping trip that I used to make all of the meals we ate. Please also remember that I’m putting this out there and it’s not a perfectly balanced menu. This is just really what we ate — and I hope that it encourages you to see the real-ness and lack of perfection here. Breakfasts: Cereal, Toast, Oatmeal, Eggs, Smoothies Lunches: Chicken, Capri Sun, Salad, Roasted Brussels Sprouts, PB & Honey Sandwich, Leftovers, Fruit, Crackers, Snacks: Cookies, Eggs, Popcorn, Ice Cream, Apple Crisp, Fruit, Veggies Dinners: Sunday — Out to eat at Chili’s Monday — Chicken, Roasted Broccoli Tuesday — Chicken/Broccoli/Rice Casserole Wednesday — Breakfast for Dinner: French Toast Thursday — Pizza Friday — Fend for yourself Saturday — Cereal Total spent on groceries: $69.03 Cashback earned this week: 675 points for submitting my receipts to Fetch rewards, $0.50 back from iBotta [...]
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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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Last Week’s $70 Grocery Budget + Menu Plan

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Last Week’s $70 Grocery Budget + Menu Plan
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. I’ve been finding a LOT of random markdowns at Kroger recently, so my shopping trips this week were mostly made up of those! Kroger Shopping Trip #1 Kroger Eggs — marked down to $1.29 Cinnamon Raisin Bread — marked down to $1.29 2 cans of canned Pineapple — marked down to $0.49 each JIF peanut butter — marked down to $0.99 each Kettle cooked chips — marked down to $0.79 Kroger sour cream — $1.39 Deli chicken — marked down to $2.39 Elbow macaroni — marked down to $0.39 1 bag of peppers/squash — marked down to $0.99 Kroger peanuts — marked down to $0.89 Sirloin Steak — marked down to $4.40 1 bag of cucumbers — marked down to $0.99 Strawberries — $1.50 2 cans of Kroger soup — $0.79 each 1 bag of lemons — marked down to $0.99 Bananas — marked down to $0.39/lb. = $0.71 Tyson Frozen Chicken — $6.99 2 cans of salmon — marked down to $1.99 each Package of Kind Breakfast Bars — marked down to $0.99 2 cans of green beans — marked down to $0.29 each Simple Truth organic seltzer water — marked down to $0.99 each 2 boxes of Rice-a-Roni — marked down to $0.49 each Kroger taco seasoning — marked down to $0.19 Total with tax: $41.96 I was excited about the Weekend Deals at Kroger this week and am going back to hit some of the others on Monday! Kroger Shopping Trip #2 Salad Kit — $1.99 Nature Valley Granola Bar — marked down to $0.69 Kroger eggs — marked down to $1.29 Annie’s Mac & Cheese — marked down to $0.59 each Capri Sun — marked down to $0.69 JIF Peanut Butter — marked down to $0.89 3 packages of Smithfield Bacon — $2.99 each with Weekend Deals Kind bar — Free with Free Friday coupon Creamed Corn — $0.99 Kroger Green Beans — $0.59 5 Lara Bars — $0.50 each with Weekend Deals Franks Red Hot Sauce — Well, I thought this was supposed to be $0.99 with the Kroger Weekend Deals but as I was typing this up, I realized that I think I actually paid $2.99 for this!! Now I’m trying to decide whether it’s worth taking back to the store. Probably not? But I kind of surprised that I didn’t catch that I overpaid for this. 🙁 I usually am really good at carefully checking everything. Here’s another good reason why you should check your receipt really thoroughly before leaving the store! Lettuce — $1.79 Total with tax: $26.18 What We Ate This Past Week Note: When you see the meals below, please remember this: I buy ahead often. Which means that when I find a great deal on something I know we’ll use, I buy as much as I can afford in our budget to have on hand. This means that you aren’t going to see all of the groceries my shopping trip that I used to make all of the meals we ate. Please also remember that I’m putting this out there and it’s not a perfectly balanced menu. This is just really what we ate — and I hope that it encourages you to see the real-ness and lack of perfection here. Breakfasts: Cereal, Toast, Oatmeal, Peanut Butter & Honey Sandwiches (Silas and Kaitlynn have been loving this for breakfast recently!), Eggs Lunches: Ham Sandwiches, Granola Bars, Yogurt, Capri Sun, Salad, Leftovers, Fruit Snacks: Cookies, Popcorn, Ice Cream, Go-Gurts, Apple Crisp, Fruit, Veggies Dinners: Sunday — Fend For Yourself Monday — Slow Cooker Teriyaki Beef with Pineapple over rice, fruit Tuesday — Slow Cooker Chicken Tetrazzini, green beans Wednesday — Breakfast for dinner: Pancakes, sausage, fruit Thursday — Barbecue Chicken, Noodles, Fruit Friday — Smoked Ribs, Green Beans with bacon/garlic/onion, creamed corn Saturday — Leftovers Total spent on groceries: $68.14 Cashback earned this week: 50 points for submitting my receipts to Fetch rewards [...]
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What to Do If Hurricane Dorian Hits Your Home, Mortgage

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

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2 Programs for Homebuyers With Good Credit (but Not Much Cash)