Seventh Generation Free & Clear Dish Liquid Soap for just $1.94 each, shipped!

Seventh Generation Free & Clear Dish Liquid Soap for just $1.94 each, shipped!

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Seventh Generation Free & Clear Dish Liquid Soap for just $1.94 each, shipped!
This post may contain affiliate links. Read my disclosure policy here. Stock up on dish soap with this Seventh Generation deal! Amazon has this Seventh Generation Free & Clear Dish Liquid Soap 6-Pack for just $11.65 shipped when you clip the 20% off e-coupon and check out through Subscribe & Save. That’s like paying just $1.94 per bottle, shipped! This is such a great stock-up deal for this brand. Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. Thanks, Hip2Save!
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Having a clear profitability model

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Having a clear profitability model
The post Having a clear profitability model appeared first on ONEtoONE Corporate Finance. [...]
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Security Token news for Week Ending Friday 27 March 2020

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Security Token news for Week Ending Friday 27 March 2020
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Is Clear Worth the Cost?

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Is Clear Worth the Cost?
Note: NerdWallet strongly discourages traveling in the near future while the coronavirus continues to spread. Check the CDC and State Department websites for current guidance and travel restrictions. Please use the content of this article only to help inform future travel plans. Are you thinking about going with Clear? The private biometric screen company lets... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article Is Clear Worth the Cost? originally appeared on NerdWallet. [...]
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Stimulus Boosts Coronavirus Unemployment Benefits $600/Week

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Stimulus Boosts Coronavirus Unemployment Benefits $600/Week
Tucked in the sprawling $2 trillion federal stimulus package, which aims to stem the rampant economic damage caused by the new coronavirus, is a dramatic expansion of benefits available to workers who have lost work or income because of the pandemic. The measure, dubbed the Coronavirus Aid, Relief and Economic Security (CARES) Act, passed the Senate unanimously Wednesday, cleared the House Friday and is expected to receive President Trump’s signature. Senate Minority Leader Chuck Schumer described the expanded benefits as “unemployment insurance on steroids” because it provides an extra $600 a week to those who are out of work due to the coronavirus – with a 13-week extension to every state’s unemployment program for a maximum of 39 weeks. It also covers, for the first time, gig workers and freelancers who normally do not qualify for unemployment compensation. Here’s all of our coverage of the coronavirus outbreak, which we will be updating every day. Here’s what you need to know about how the legislation can help if you’ve been financially impacted by the coronavirus. How Coronavirus Unemployment Benefits Work The $600 weekly boost to unemployment benefits comes in addition to current state-level benefits. Depending on the state, existing unemployment benefits can range from $213 to $546 per week, according to the Center on Budget and Policy Priorities. The average weekly benefit is $385. The additional $600 comes from the federal government in direct response to the economic fallout of the pandemic. It may be included with the state unemployment benefit check or arrive separately, but it must come weekly.  Pro Tip The filing process for unemployment benefits varies by state. Use Career Stop One, a resource sponsored by the Department of Labor, to find out how to apply to your state’s program. The duration of unemployment benefits also varies by state.CBPP data show most states provide benefits for up to 26 weeks. The bill extends that timeframe by 13 weeks to a maximum of 39 weeks. Some states provide unemployment assistance for as few as 12 weeks. In that case, unemployment benefits – with the extension from the coronavirus bill – would be available for 25 weeks. Though once benefits expire, unemployed Americans may reapply. The CARES Act also widely expands the definition of “unemployed.” Any worker who was laid off, furloughed or has material proof of missed employment or income due to a variety of other coronavirus-related reasons is now eligible. This expanded definition includes freelancers, gig workers and part-timers, too.  Because gig workers’ income fluctuates week by week, it’s unclear how much states will contribute to the unemployment benefit, though unemployed gig workers can expect at least $600 a week if their normal weekly earnings exceed that amount. No one will receive unemployment benefits that exceed their normal weekly earnings. Unemployment Insurance Weekly Claims Initial claims were 3,283,000 for the week ending 3/21 (+3,001,000). Insured unemployment was 1,803,000 for the week ending 3/14 (+101,000).https://t.co/ys7Eg5LKAW — US Labor Department (@USDOL) March 26, 2020 What’s also unclear is how quickly states will be able to process the coming influx of unemployment claims. While the CARES Act removes red tape to expedite the process, unemployment offices across the nation were already slammed before the bill came to a vote. The Department of Labor reported 3.3 million new unemployment claims the third week of March, just days after Trump declared a national emergency. The CARES Act also includes direct monetary aid to most adults in the form of a $1,200 check. Here’s everything we know about the stimulus checks so far. According to the Economic Policy Institute, the surge in claims shattered the previous record, which was 695,000 weekly claims in October 1982 when the stock market crashed. “While the record number of claims is shocking, it is not totally surprising,” said Mark Hamrick, senior economic analyst at Bankrate, in a statement. “For days now, we’ve heard how state systems were overwhelmed by the rush to file claims after people were separated from work.” While white-collar employees nationwide transition to remote work in droves, service industry, retail and gig workers by and large have fewer options. While some gig companies and retailers are ramping up hiring in response to a surge in demand for services such as grocery delivery, the impact on workers in industries like restaurants and hospitality is expected to be punishing.  That’s what makes their eligibility for unemployment compensation significant.  In a tweet, the EPI called the CARES Act “a good first step” for part-time and self-employed workers but noted that the unemployment expansion doesn’t go far enough in helping low-wage earners who may not qualify for assistance. The Coronavirus Aid, Relief and Economic Security (CARES) Act is a good first step—expanding unemployment benefits to workers who are self-employed, are seeking part-time work, or do not have sufficient work history.#StimulusPlan #stimulusbill — Economic Policy Institute (@EconomicPolicy) March 26, 2020 Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, entrepreneurship and unique ways to make money. 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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10 Things You Should Never Buy on Amazon

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10 Things You Should Never Buy on Amazon
Hadrian / Shutterstock.com It’s hard to beat having things delivered straight to your door — even when you’re not stuck at home due to a pandemic. Amazon has made it easy for anyone to order just about anything and have it delivered to their doorstep. But just because you can purchase something on Amazon, it doesn’t mean you should. Following are some purchases that we don’t think you should ever... [...]
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Free One-Month CBS All Access Trial! {HOT}

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Free One-Month CBS All Access Trial! {HOT}
This post may contain affiliate links. Read my disclosure policy here. Whoa! You can currently get a FREE one-month CBS All Access Trial, which is a super rare and HOT deal!! Psst! Looking for more freebies like this? Right now, you can sign up to get a FREE one-month CBS All Access trial when you use the promo code ALL at checkout! This is a rare deal as the free trial usually only lasts seven days! If you love Star Trek, this is an especially great deal because it gives you access to all the latest episodes of Star Trek Discovery and Star Trek Picard! 🙂 Note: After your free trial is up, you’ll be charged at the regular monthly rate. If you don’t wish to continue after your free trial, be sure to cancel before it renews! Valid through April 23, 2020. [...]
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How to Build a Cheap Home Gym for Less Than $100

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How to Build a Cheap Home Gym for Less Than $100
With gyms across the country closing to help combat the spread of COVID-19, the disease caused by the new coronavirus, you’re probably wondering how you can keep up with your workout routine while also practicing for social distancing. Enter the home gym. Creating a home gym will not only help you stay in shape but could also save you money in the long run, considering the high cost of gym memberships and boutique fitness classes that can cost more than $20… for a single hour. TPH editor Caitlin Constantine is no stranger to workout-related expenses. As a triathlete, a huge chunk of her disposable cash goes toward racing fees and nutrition. She’s completed two Ironmans, seven marathons and even two ultramarathons. But those race fees add up, to say nothing of all the time and energy she spends on her extensive training. Why add in extra hours slogging back and forth to a gym? However, she knows staying in shape can lengthen and improve lives in every way from preventing injury to counterbalancing mental health issues — which is particularly important during these stressful times — so she’s passionate about deconstructing the myth that fitness has to be complicated and expensive. “It’s our birthright as human beings to be able to use our bodies and make the most of them,” she says.  So she was thrilled to share the details on the cheap home gym she built to help her cross-train cheaply and conveniently — all for less than $100. How to Build a Home Gym for Less Than a Benjamin To ditch the expense of her fitness membership, Constantine built a home gym for under $100.  If that still seems pricy to you, keep in mind: You might spend that for just five Pure Barre classes or a few months of a gym membership. That doesn’t count activation fees or the gas you’ll spend getting there and back.  Once you stock your home gym, it’s yours to keep — no membership renewal necessary. Here’s what’s in Constantine’s workout room, and how she uses it. Resistance Bands Cost: $10+ Exercises: Clamshells, leg lifts, almost any bodyweight exercise  You can amp up nearly every classic exercise you can think of by adding extra resistance.  The cheapest way to do that? Resistance bands.  Constantine found hers at a sports store for $12, but you can find them online starting for less than $10. They usually come in a set of different tensile strengths, so you can customize your workout. Constantine notes they’re a great addition to any runner’s fitness regime. “As a runner, I’m constantly trying to strengthen my hips,” she says. Doing resistance-assisted clamshells and leg lifts helps her accomplish that goal, and also helps with her running-related knee issues. Balance Ball Cost: $10-$30 Exercises: Jackknife, plank (not actually just for men, despite the video!), bridge, back extension Ah, the stability ball. Turns out it’s good for more than just replacing your office chair and making your colleagues feel lazy! “I like the exercise ball because it’s good for doing a lot of core work,” says Constantine.  And as awesome as the stability ball is for core work, you’ll find you can use it for everything from glutes to arms. Tons of full-body workouts require nothing but a properly sized stability ball.  Plus, they’re dirt cheap — starting at about $16 and going up to about $30, depending on the size and brand. Dumbbells Cost: About $20 apiece, depending on weight Exercises: Bicep curls, shoulder press, overhead triceps extension, flyes, deadlifts, the works! Full disclosure: This is the most expensive item on the list. Dumbbells can go for $8 or more each — and yes, that means a single dumbbell, not a set of two. That said, dumbbells are awesome. They’re one of the most versatile and long-lived pieces of equipment you can add to your home gym. Constantine sprung for two pairs — a 10- and 20-pound set, which she uses for everything from chest press lying on her stability ball to deadlifts. Hers cost about $20 each, but the lighter ones are slightly cheaper if you’re not on Constantine’s super-strong level quite yet.  If you’re just starting out and aren’t sure where you stand — or squat, as the case may be — you might consider snapping up a set of several dumbbells, or an adjustable version. That way, you’ll have a few options to choose from, and you can scale in either direction if things prove to be too heavy (or too light!). You can also find them (and anything else on the list!) pre-owned on Craigslist to cut your costs even further.  This even goes for bigger pieces of equipment if you have a special interest in weight training.  Constantine says you can find many online from hopefuls who purchased, and then never used, their weight racks. (“They ended up becoming an expensive clothes hanger” instead, she says.) Other Home Gym Odds and Ends Although you can craft an effective workout with any or all of the home gym equipment listed above, Constantine also picked up a few more odds and ends. Since she practices yoga to round out her intense training, she’s got a yoga mat. You can get one as cheap as $20 or get fancy — Manduka mats are pretty expensive, but they do offer a lifetime guarantee! And her next purchase? A doorway chin-up bar, as long as she can find a good place in her home to install it. They cost between $20 and $40 and work way more body parts than just your arms: core, back, shoulders, you name it. Staying Fit Might Be Hard, but It Doesn’t Have to Be Complicated Since Constantine’s a capital-A Athlete, she supplements her at-home workouts with a strenuous training program involving long runs, swims and bike rides.  (“How long is long?” I asked. “Well, the long run I did on Saturday was like 12 miles,” she responded. So, yeah.) But you don’t have to be in a competitive sport to be fit and healthy — or to reap the life-changing benefits of a commitment to fitness. “All the triathlon stuff that I do, that’s way extra,” Constantine says. She considers it her hobby.  “If I was just trying to be healthy, I would just do some planks, do some push-ups, maybe walk for an hour around my neighborhood each night.”  “I feel like there’s this tendency to make fitness seem more complicated than it actually needs to be,” she says — partially because fitness is a huge and profitable industry. FROM THE SAVE MONEY FORUM BEING THRIFTY DOESN'T MEAN CHEAP STUFF 1/22/20 @ 3:22 AM Baking bread 3/23/20 @ 3:13 PM Saving on vegetarian food 3/23/20 @ 2:18 PM M Saving at the Grocery Store 3/4/20 @ 2:43 PM See more in Save Money or ask a money question But you don’t have to pay a coach or buy a gym membership to be healthy. No matter what, just do something that’s not sitting for at least an hour every day. It doesn’t have to be intense or unpleasant — in fact, it should be fun!  “There’s no one specific way to get fit,” Constantine says. “Mostly the body just wants to move.” So pick an activity — any activity — you enjoy and get moving. Yes, dancing around in your underwear or playfully chasing your toddler around the backyard both count. Ideally, you’ll get your heart rate up, do some weight-bearin [...]
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Technology helping governments & citizens, one line of code at a time

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Technology helping governments & citizens, one line of code at a time
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Get my favorite tees for just $10 shipped!!

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Get my favorite tees for just $10 shipped!!
This post may contain affiliate links. Read my disclosure policy here. These tees are SO cozy and soft! Grab one for just $10 shipped right now! Cents of Style has their popular Tees on sale 2 for $20 when you use coupon code FAVTEE at checkout. Included in this sale are my favorite short-sleeve Jagger Tee or long-sleeve Joanna Tee, and you can mix & match. Shipping is FREE, so you’ll pay just $10 each, shipped! These shirts are SUPER soft and really versatile! They 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. There are so many cute tees included in this sale! Choose from sizes S through 3XL in tons of different color choices. Valid through March 29, 2020. Go here to grab two Tees for just $10 each, shipped! [...]
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Fetch Rewards eReceipts: Earn points for online purchases!

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Fetch Rewards eReceipts: Earn points for online purchases!
This post may contain affiliate links. Read my disclosure policy here. Yay! Fetch Rewards just rolled out the ability to earn points for online purchases with their new eReceipts feature! {See my full Fetch Rewards review here. And don’t forget you can earn money for online purchases through Rakuten and Swagbucks!} In case you weren’t aware, I absolutely love using the Fetch Rewards app to save money on my groceries. (You can go here for my full Fetch Rewards review and to learn why I love it so much!) And I’m really excited because they just rolled out a new way to earn points in their app! Fetch Rewards eReceipts With their new Fetch Rewards eReceipts feature, you can now earn points for online purchases. Here’s how: Update to the latest version of the Fetch Rewards app. Tap the Blue eReceipt button. Connect your Amazon or email account. Tap the blue eReceipt button any time you have a receipt in your inbox to scan and you’ll earn points for your online purchase! That’s it! It’s super easy!! Never used Fetch Rewards? Go here to get started and get a special Fetch Rewards code worth a bonus 2,000 points. Want to cut your grocery budget? Go here and sign up (it’s free!) I’ll send you my 10 Easy Ways to Cut Your Grocery Bill By $50. [...]
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Life Update: Pregnancy (week 34), Fostering, Quarantining, & Kathrynne is home!

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Life Update: Pregnancy (week 34), Fostering, Quarantining, & Kathrynne is home!
34 weeks! And what a week it’s been! Kathrynne getting stuck in Suriname because they closed the borders (gratefully, her group got on a special flight this past Monday —  see below), spending hours at the NICU taking care of the preemie we’re fostering, everything else in our life getting cancelled… it’s felt like a pretty unprecedented week! Highlights Pregnancy-wise, I’m doing well. I feel like baby had a growth spurt this week and I’ve popped even more. Very few clothes still fit and I feel pretty big, but I’m not at the totally miserable stage yet, so I’m grateful. Getting comfortable while sitting and sleeping is becoming more of a challenge, but that’s to be expected when you’re in your final weeks of pregnancy! 😉 Notable I’m thankful to not be experiencing much swelling yet. My face is definitely a lot puffier, but other than that, so long as I keep my feet up for part of the day, I’m usually good. We’re hopefully bringing our NICU baby home soon, so I’ve spent some time this week making sure everything is in order for both babies — baby clothes are washed, diapers are stocked, a second bed is ordered, etc. I also sat down and mapped out the bones of a feeding/sleeping/life routine today — since our little preemie is on an every three-hour feeding schedule and will most likely continue that once released from the hospital. We’re getting excited to think of being a family of 7 soon — but also trying to savor our last few days of being a family of just 5. Cravings I’m mostly only hungry in the mornings now. I’m usually famished for the first few hours of the day and then I’m not that hungry after lunch. I’m eating lots of apples/peanut butter and Raisin Bran/milk. Oh and we found that vanilla ice cream before bed helps me to sleep better and not wake up with heartburn as often. I have no idea why, but hey, if it works, it works! 🤣I’m also eating dates every day and drinking red raspberry leaf tea to help prepare for labor. Weight gain: 27 pounds She’s home!!! After being gone for 11 days, getting stuck in Suriname due to the country completing closing their borders, and being told she might not be able to come home for 30 days… we got to witness God move some pretty huge mountains in a very short amount of time. (The government arranged a special flight out of Suriname for them and a handful of others who were trying to get back to the US!) A huge thank you to the many who prayed, the school administration who worked tirelessly to get them home, & the government officials who bent over backwards to make this happen. Also, we are so proud of this girl! She handled the whole thing like a champ and told me she decided to focus on the positive in it instead of dwelling on the what if’s or unknowns. She came back stronger, more resilient, more independent (in a good way), more aware of the goodness and provision of God, and so incredibly humbled by how many hundreds (thousands?) of people were praying for her and their team to make it home safely. Thank you all to the many, many, many of you who wrote, texted, and messaged to tell me you were praying. It has truly been a humbling experience to be the recipient of so much love and kindness this past week… especially when SO much else is going on in the world. We are blown away how deeply you care about our family. And now we’re hunkered down at home for the next few weeks trying to stay as healthy as possible and keep our home as germ-free as possible since we’ll likely be welcoming a medically fragile babe into our home very, very soon. (Interested in seeing the creative things my kids are finding to do each day while home 24/7 or want to follow along with our foster care journey? Be sure to follow my stories on Instagram. I usually post there multiple times per day every week day!) Speaking of Instagram, I posted this earlier this week and thought this might encourage someone today: This is what the last 8 days of my life have looked like. Sitting in the rocker in the NICU rocking this tiny preemie we’re fostering and praying. (Note: The mask is just one of the many precautions the nurses are having me take to keep me and baby as healthy as possible.) I’m usually a go-getter, a very driven person, who will have 15 balls in the air I’m juggling at any given time. My brain isn’t good at slowing down and I typically find living life at 100 miles an hour (with short pit stops here and there) to be exhilarating and fulfilling. But right now, this is my season to rock, hold, comfort, and speak words of life to this precious baby. And that is enough. I look down at this bundle I’m holding and realize, this sweet child doesn’t know anything about the chaos or fear going on in the world. Baby just wants to eat, sleep, and be held. And as long as I’m holding this child, they are almost always completely relaxed in my arms, resting deeply and peacefully. As I sit here, I think of so many of you who are struggling today. Some of you have written in and told me how you are facing scary unknowns, big financial setbacks, possible job loss, fear of the future, worry over immunocompromised loved ones, separation from those you love, and so much more. This virus is personally affecting each of us in big ways. I just want to remind you — as I am reminding myself — to crawl up into Jesus’ lap and let Him hold you. He loves you more than you can ever imagine. And He will give you what you need for today. There are a lot of unknowns in my future right now — as I am positive there are in yours. If I let myself start dwelling on them, I can begin to feel scared and stressed. But God hasn’t given me grace for tomorrow or next month. He is giving me grace for today and I can rest in that. And so, I sit here and rock — trusting Jesus that He has my future, my NICU baby’s future (and all the possible medical issues and things with that far outside my control!) my 34-week in utero baby’s future, my other 3 kids’ futures, my husband’s future, the future of our business, my extended family’s future… in His hands. I rest in that and rock on. ❤️ [...]
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Free Educational Games, Apps, Books, & Programs for Kids During the Quarantine

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Free Educational Games, Apps, Books, & Programs for Kids During the Quarantine
This post may contain affiliate links. Read my disclosure policy here. If you’re looking for some educational activities for your kids while they’re home from school, don’t miss this round-up of free educational games, apps, magazines, books, and more! {Follow along with all the latest free kids activities, free homeschool curriculum, and educational deals each day!} Due to the COVID-19 quarantine causing schools to be closed across the country, many educational companies are offering amazing freebies and deals to aid parents with at-home education for their kids! Here are some of the top deals we’ve seen so far, but we’ll keep adding to this list as more pop up! Free Educational Activities for Kids All of these freebies require Internet and access to a computer, phone, or tablet. (If you don’t have Internet, check out this deal to get free Internet access!) Also, some of these freebies are limited time trials and you’ll be charged monthly after your trial is up. Just remember to cancel the auto-renewal before your trial is up so that you don’t get charged. It’s super easy! Free ABCmouse 30-Day Trial — This online learning academy specializes in full curriculum for children ages 2-8. This is often one of the top purchased iOS kids education apps! Free Adventures in Odyssey 4-Week Trial — This is a RARE offer to get free access to over 900 episodes of these popular, kid-friendly audio dramas. My kids have loved these over the years, and we’ve listened to thousands of hours of them! And no credit card is required for this free trial. Free ReadingIQ 30-Day Trial — This is an online digital library for kids that offers thousands of books for all reading levels. This app helped Silas fall in love with reading and I can’t sing the praises of this reading app enough! Free BrainPOP Access for Families — This amazing online program offers all sorts of fun content to facilitate learning across many subjects — including math, science, health, music, and more. Free Scholastic Online Education Programs — This site features daily projects to keep kids learning, reading, and thinking. Just choose your grade level and get started! Free Teach Your Monster to Read App — This award-winning iOS app is a phonics and reading game that’s helped millions of children learn to read. It’s regularly $5, so this is a great deal! Free Adventure Academy 30-Day Trial — This educational MMO game features thousands of enjoyable learning activities that elementary and middle school aged kids can discover on quests through an interactive virtual world. Free Monarch Homeschool 30-Day Trial — This is a full online curriculum for at-home learning featuring multiple subjects, automatic grading, and so much more. Use coupon code MON30MSM in the promo code box during the sign-up process to get this deal — no credit card required. Free Ranger Rick Magazine Digital Subscription — This is a perfect freebie for kids who love the outdoors and animals! Each issue is packed with full-color photos of animals and stories of adventure. Step2 Facebook Live Crafts — Step2 is leading craft activities for kids on Facebook Live video every weekday at 3 p.m. ET. Crafts are made from supplies you most likely already have on hand at home. Free Audible Books for Kids and Teens — While schools are closed, Audible will be offering free stories to students. There are some great titles to choose from, including children’s books, classics, modern series, and popular teen titles. Free Homeschool Curriculum & Resources — Be sure to check out our weekly round-up of the best free homeschool curriculum and educational resources! We update this list every Tuesday. Free Thinkster Math One-Month Trial — This online math program offers a free skills assessment, diagnostic report, and personalized math worksheets for your child. And they’re offering one month for free to all students right now — no credit card required. Free Reading Eggs 30-Day Trial — This multi-award winning app helps children become more fluent and proficient readers with just 15 minutes of use each day! And they’re offering a free 30-day trial right now, no credit card required. Looking for even more ideas? These offers aren’t completely free, but they’re still really great deals if you’re looking for some unique ways to keep kids entertained while they’re at home! Annie’s Creative Girls Club Craft Kits for $1.99 Each + Shipping — If you have a creative kid who loves crafts, don’t miss this great deal! I recently received these craft kits in the mail and was SO impressed with everything you get for this discounted price! KiwiCo Box for $11.97 shipped — These themed and educational activities are SO much fun, and my kids have loved them over the years! You can get a great deal on your first box right now. Amazon FreeTime Unlimited 3-Month Trial for $0.99 — This is an all-in-one subscription for kids that offers unlimited access to over 13,000 kid-friendly movies, books, educational apps, TV shows, and games. And this deal for new customers is a $29 savings!! Hooked on Phonics One-Month Trial for $1 — Sign up for this deal to get access to 100 award winning videos, more than 275 interactive games, and 100+ fully illustrated stories! Do you know of any other free educational games, activities, or programs being offered for kids right now? Psst! Are you a parent looking for some activities for yourself? If you love reading, sign up for a free Audible trial or free Kindle Unlimited trial! If you’re looking for workouts, don’t miss this free Daily Burn membership or free Peloton app! Or if you enjoy music, check out the free Amazon Music HD subscription or free Sirius XM Streaming subscription! [...]
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13 Free, Easy Strategies for Coronavirus Stress Management

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13 Free, Easy Strategies for Coronavirus Stress Management
We’re living in scary, uncertain times, and for a lot of us, that translates into high levels of stress and anxiety. But as natural as these responses may be, chronic stress and anxiety pose their own threats. Chronic stress has been linked to many serious health conditions, and it has also been shown to depress immune function, which is something none of us need right now. That’s why we’ve put together a list of 13 things you can do to help you cope during this time. None of these things cost money, and you can do them all at home (or at least in your neighborhood).    13 Ways to Manage Your Coronavirus-Related Stress Right Now The next time you’re feeling swept up in counterproductive thoughts, try one of these tactics. 1. Take a Few Deep Breaths If you’re like most people, you probably respond to feelings of emotional distress by taking shorter, shallower, more rapid breaths. This means your body gets less oxygen, which in turn affects your ability to think clearly and function — and that can exacerbate that tangle of emotions. Taking a few deep breaths will replenish your body’s oxygen supply, and as a bonus, it will give you a few moments to pause, which can also help you calm down.  When you feel yourself getting stressed out, stop and breathe in slowly and deeply through your nose, then exhale through pursed lips. Do this several times until you feel yourself calm down.   Several variations of this exercise exist, so play around until you find something that works best for you. 2. Try a Grounding Technique If stress and anxiety are threatening to overwhelm you, try one of these grounding techniques. They work by pulling you away from your anxiety-producing thoughts, most of which either dwell on the past or ruminate on the unknown future, and bringing you back into the present.  An easy one to remember is the “five senses” technique. Here’s how you do it: Stop for a moment and think about what all of your five senses are experiencing at that precise moment.  What do you hear? What are you smelling? What do you feel on your skin? What do you see? What do you taste?  Whenever you catch your thoughts spiraling out of control, take a minute to pause and do one of these exercises, and hopefully you will feel better quickly.  3. Limit Your Time Online Many researchers have found a strong connection between heavy social media use and a higher likelihood of experiencing anxiety and depression. The same is true for your smartphone.  This is the case even without the threat of global pandemic hanging over our heads, so imagine how much more intense that dynamic is right now, where every push alert to our phone could bring news of another border closure or federal emergency measure. Mix the unrelenting flood of news about these unprecedented events with the stress of watching political arguments unfold in comments sections, attempting to sort out the nuggets of truth from the fire hose of misinformation and trying to block out the increasingly panicked posts from family members and friends, and you have a recipe for lots and lots of anxiety. This is not an argument for complete abstinence from using social media, smartphones and the internet, by the way.  These things can bring great value to our lives, especially now more than ever, when we need both the social connections and the critical information they bring to us. (Not to mention deliveries of food and supplies while social distancing!)  However, even good things can be bad for us if we don’t put limits on our consumption, so if you find that being online is causing you a lot of stress, put some parameters in place.   One option is to give yourself an hour to check in the morning and in the evenings. Another option is to institute no-phone hours after a certain time. A third option is to take a few minutes to turn off your phone’s alerts and notifications.  None of those work for you? Here are seven other ideas for you to try. 4. Spend Time in Nature Sometimes the cure for what ails you is right outside your front door.  Researchers have found that spending time in nature can reduce anxiety, stress and depression. It seems to reduce the levels of cortisol, which is released in response to stress, and the prefrontal cortex — aka the area of the brain that’s active when you’re engaged in repetitive, negative thinking — shows lower amounts of activity. They’re not exactly sure why this happens, just that it does. City dwellers (and anyone else who doesn’t have access to green spaces due to social distancing and shelter-in-place restrictions), we still have good news for you: Researchers found that listening to calming outdoor sounds or looking at trees and other greenery can have the same effect as spending time in nature.  So fire up a playlist of ambient ocean sounds, gaze at some photos of Canadian forests and feel your stress slowly melt away. 5. Write Your Feelings Down Journaling is one of the most common strategies for dealing with mental health challenges, and for good reason. Researchers say writing down your feelings can help you make better sense of them. Instead of rushing around your body and mind in a confusing whirl of stimuli, the feelings become understandable, clearer and easier to manage. Want to try this out but not sure where to start? This post has seven good prompts for you to try. 6. Meditate Meditation has gotten a lot of press in recent years as a one-size-fits-all solution for everything from a lack of focus to anxiety to boosting your productivity.   But what makes meditation so potent in a time like this is that it helps you develop awareness of your own thoughts, which is the first step to being able to manage them more effectively. If you have the ability to catch yourself getting carried away by your anxiety-producing thoughts, then you’ll also have the ability to redirect them in ways that are more productive and useful for you. So you want to try meditation but you’re not sure where to begin? Try one of these five free meditation apps and use the guided meditations. Make an effort to meditate at least once a day for a few days, and see if it works for you. FROM THE SAVE MONEY FORUM Saving at the Grocery Store 3/4/20 @ 9:43 AM Energy saving -- via Arcadia Power or any other similar service? 1/24/19 @ 11:10 AM Emergency fund 3/6/20 @ 9:59 AM See more in Save Money or ask a money question 7. Drink Some Water Feeling anxious? Stop what you are doing, go to the fridge, pour yourself a glass of water and drink it down. Researchers have found that drinking water can lower a person’s stress and anxiety levels. Our bodies are primarily made of water, and when we’re dehydrated, we don’t function as well as we could. So if you’re feeling panicky, take a moment to drink a cool glass of water, and see if that helps you calm down. 8. Learn a New Skill You probably noticed your friends’ lists are full of posts about people taking up baking or gardening or cross-stitching right now.  There’s a good reason for that: Learning a new skill can occupy your brain so thoroughly that it leaves little room for the rumination that can lead to anxiety and stress. Researchers have found that learning a new skill can be a great buffer against workplace stress, and that holds true in our day-to-day life as well.   So if you’ve wanted to learn to play a new instr [...]
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*HOT* Converse Chuck Taylor All Star Shoes only $14.98 shipped, plus more!

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*HOT* Converse Chuck Taylor All Star Shoes only $14.98 shipped, plus more!
This post may contain affiliate links. Read my disclosure policy here. Love Converse? You can get some great deals right now! Converse is offering an extra 25% off select shoes right now when you use the promo code MARCH25 at checkout! Even better, get free shipping when you create a Converse.com account (free to join). Check out these deals ideas… Converse x Batman Chuck Taylor All Star – $19.97 (regularly $35) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $14.98 shipped after code Archive Flames Infant/Toddler Chuck Taylor All Star – $19.97 (regularly $35) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $14.98 shipped after code Tumbled Leather Chuck Taylor All Star – $25.97 (regularly $45) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $19.48 shipped after code Iridescent Space Star Girls Chuck Taylor All Star – $25.97 (regularly $40) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $19.48 shipped after code Converse Women’s Costa Low Top – $32.97 (regularly $45) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $24.73 shipped after code Mars Unisex Raver Slip Chuck Taylor All Star – $34.97 (regularly $55) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $26.23 shipped after code Valid through March 23, 2020. Thanks, Hip2Save! [...]
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Adventures in Odyssey: Free 4-Week Trial!

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Adventures in Odyssey: Free 4-Week Trial!
Your kids can currently access Adventures in Odyssey stories for FREE right now! Just sign up for this free trial, no credit card required!! {Psst! Did you see these other FREE 30-day trials for online educational programs right now?!} Free Adventures in Odyssey 4-Week Trial Whoa!! If you’re looking for something fun for kids to do while they’re at home, don’t miss this RARE deal! Adventures in Odyssey is currently offering a FREE 4-week trial – no credit card required! This gives you access to over 900 episodes of their audio dramas! This has been one of my kids’ most-favorite-in-all-the-world things over the years. I’m not even remotely exaggerating when I make the claim that we’ve likely listened to a total of 4,000 to 5,000 HOURS of Adventures in Odyssey episodes at our house over the years. For real. I highly recommend taking advantage of this offer, because it’s super rare to be able to get completely free access to Adventures in Odyssey like this! Go here to sign up for your free trial. [...]
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COVID-19 supplants InsurTech – moving lower on Maslow’s Hierarchy of Business Needs

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COVID-19 supplants InsurTech – moving lower on Maslow’s Hierarchy of Business Needs
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Van’s Slip On Sneakers only $34.99 shipped, plus more!

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Van’s Slip On Sneakers only $34.99 shipped, plus more!
This post may contain affiliate links. Read my disclosure policy here. Love Vans? You can get some great deals on Vans sneakers at DSW right now! DSW is offering an extra 30% off their site plus free shipping when you use the promo code MARCH30 at checkout! Check out these deals you can score on Van’s Sneakers… Get these Vans Asher Slip On Sneakers for only $34.99 shipped after the code! Get these Vans Ward Sneakers for just $41.99 shipped after the code! Get these Vans Girls Asher Slip On Sneakers for just $20.99 shipped after the code! Shop all the Vans sneakers here. Thanks, Midwest Money Saving Mommas! [...]
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*HOT* Up to 60% off Preschool and Educational Toys!

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*HOT* Up to 60% off Preschool and Educational Toys!
This post may contain affiliate links. Read my disclosure policy here. Today only, Amazon is offering up to 60% off preschool and educational toys! Here are some deals you can get… Get this Learning Resources 100 Piece Deluxe Building Set for only $14.45! Get this Learning Resources Botley the Coding Robot Activity Set for only $31.99 shipped! Get this Educational Insights Kanoodle Extreme for just $7.49! Get this Learning Resources Puzzle Globe for only $18.19! Get these Educational Insights GeoSafari Jr. Kidnoculars for only $10.96! Get this Learning Resources Money Bags Coin Value Game for only $10.79! Get this Learning Resources Beaker Creatures Bubbling Volcano Reactor for only $9.59! Shop the entire preschool and educational toys sale here. Valid today only, March 18, 2020, while supplies last. 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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MyGreenFills Discount: 100 loads of Refillable, Non-Toxic Laundry Soap for just $11.90 shipped!

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MyGreenFills Discount: 100 loads of Refillable, Non-Toxic Laundry Soap for just $11.90 shipped!
This post may contain affiliate links. Read my disclosure policy here. If you’re looking for a great price on non-toxic laundry soap, don’t miss this great MyGreenFills deal! {Psst! Looking for more deals on household essentials? Go HERE.} What is MyGreenFills? Are you looking for an affordable non-toxic laundry soap? If so, be sure to check out MyGreenFills — a subscription service for laundry detergent! MyGreenFills sends you one big refillable container of laundry wash initially and then regular refills when you need them. This helps avoid extra plastic use and makes it super easy to get non-toxic laundry soap shipped directly to your doorstep! You can pause, cancel, or change your subscription at any time to meet your family’s needs. And you can choose between their Signature Scent or an Unscented laundry wash. Save on Your First Shipment! If you want to try MyGreenFills at a discount, just shop through this link to get your first 100 loads of non-toxic laundry soap for $11.90 shipped! Here’s what to do: Go here. Click on the orange “Get your free laundry soap” button. Choose the Starter Pack for $14. This includes one MyGreenFills jug and one refill pack. Choose your scent — Signature or Unscented. You’ll get 15% off your purchase, free shipping, and a bonus refill pack of 50 loads. That means you’ll pay just $11.90 for your first 100 loads of laundry wash (jug, initial refill pack, plus bonus refill pack). You typically pay $14 per month for 50 loads, so this is a HUGE savings! Note: After your first discounted month, your MyGreenFills subscription will auto-charge you monthly at the regular price of $14. You can pause, cancel, or change the frequency of your subscription at any time in your account! If you don’t wish to continue after your first discounted month, simply cancel your subscription before the next month’s charge. Go here to get your first 100 loads of laundry soap for just $11.90 shipped! [...]
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FREE Online Education Programs: ABCmouse, ReadingIQ, or Adventure Academy!

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FREE Online Education Programs: ABCmouse, ReadingIQ, or Adventure Academy!
This post may contain affiliate links. Read my disclosure policy here. Looking for some free online educational programs while your kids are at home? Don’t miss these FREE 30-day trials! 1. ReadingIQ ReadingIQ is a recently new online digital library for kids that offers thousands of books for all reading levels. And I can’t sing the praises of this reading app enough! Silas had never been excited about reading until he started using this app last year. This app made him fall in love with reading — something I never thought would be possible after years of his struggle with reading. You can go here to start your free 30-day trial. Or if you’d like to try the program for longer than a month, you can also sign up to get two months for just $5 instead of the free trial! 2. ABCmouse Early Learning Academy This online learning academy specializes in full curriculum for children ages 2-8. This is often one of the top purchased iOS kids education apps! You can go here to start your free 30-day trial. Or if you’d like to try the program for longer than a month, you can also sign up to get two months for just $5 instead of the free trial! 3. Adventure Academy Adventure Academy is a brand new MMO game created specifically for kids in elementary and middle school. It features thousands of enjoyable learning activities that kids can discover on quests through an interactive virtual world. Developed by the top video gaming designers and crafted by a team of curriculum experts, Adventure Academy is a highly engaging and creative platform that focuses on building critical knowledge and skills in language arts, math, social studies, science, and more! Adventure Academy features thousands of educational learning activities, such as videos, reading experiences, games, quizzes, and many other interactive elements— all within the frameworks of U.S. (and international) curriculum standards. It plays a lot like an adventure game (think Zelda!) but within an educational framework. It’s really cool! You can go here to start your free 30-day trial. Or if you’d like to try the program for longer than a month, you can also sign up to get two months for just $5 instead of the free trial! All of these programs can be accessed on a regular computer, tablet, or smart phone. Note: none of these are compatible with Kindles yet. [...]
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Let Hippo Home Insurance Save You 20% (Plus More Ways to Save)

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Let Hippo Home Insurance Save You 20% (Plus More Ways to Save)
If you own a home, homeowners insurance probably isn’t something you think about regularly. For most, you pay it alongside your mortgage payment, so it’s never really top of mind — just another bill you’ve got to pay. But, when you think about it, it’s probably one of your more expensive bills, with the average American paying an annual premium of $1,211 in 2018, according to the Insurance Information Institute. Here’s the thing, though: You’re probably paying too much for your current policy. When’s the last time you checked prices, anyway? You probably didn’t realize how many discounts are available.  We suggest taking 60 seconds to get a free quote from Hippo Insurance, an online insurance company. It saves users up to 20% on premiums. You can switch your policy at any time, for any reason, and Hippo Insurance will even help you with the paperwork. Plus, your old insurer should issue you a refund. (Check with them first!) Then, see if you can apply even more discounts to your bill by making these simple changes around your house this weekend. No, we’re not talking about installing a new roof (though that can help, too). We’re talking about easy and affordable tweaks: 1. Install Smart Home Devices to Save up to 15% Smart home devices are popular, but most of us consider them unnecessary. Do we really need the thermostat to adjust automatically? Or turn the lights on and off without, you know, just flipping a switch? But there are smart home devices that can actually make your home safer — and save you up to 15% on homeowners insurance. Think: Water-leak detectors, alarm systems and smoke detectors. Before you go out and buy these, you can get a full kit for free when you get home insurance through Hippo Insurance. Each Hippo Insurance policy comes with a free smart-home-device system to help protect your home against fire and water damage.  Hippo will automatically apply the discount to your policy. Easy. 2. Have a Fire Extinguisher on Hand and Save as Much as 5% Did you know you can get homeowners insurance discounts just for having a fire extinguisher in your home? Yup, you can save up to 5% on your Hippo policy. You can buy fire extinguisher at Walmart, Home Depot or even Amazon. We found multi-purpose extinguishers on Amazon for under $40. You should have one easily accessible on every story of your home. Remember: Most home fires start in the kitchen, according to the American Red Cross. And if you’re not sure how to use a fire extinguisher, you can always contact your local fire department for a free training. Don’t Forget to Check Your Savings Once you’re done, pull a new homeowners insurance quote from Hippo Insurance and see how much you were able to save. And, hey, now your home is now much safer! 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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Get a free 30-day trial of the ABCmouse.com Early Learning Academy!

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Get a free 30-day trial of the ABCmouse.com Early Learning Academy!
This post may contain affiliate links. Read my disclosure policy here. ABCmouse.com — an online Early Learning Academy that specializes in full online curriculum for children ages 2 to 8 — is offering a free 30-day trial right now! You’ll need to provide a credit card number to take advantage of the free trial. If you wish to continue with the service after a month, you’ll be billed at $9.95 per month. (Or you can take advantage of their annual subscription option at a discount.) If you do not wish to continue with the service, be sure to cancel your subscription before the free trial is up so that you avoid any charges to your credit card. It’s very easy to cancel at any time by logging in and clicking “my account.” Go here to get started with a 30-day free trial of ABCmouse.com. [...]
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We spent $71.40 on groceries this week (+ what a wild & crazy week!)

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We spent $71.40 on groceries this week (+ what a wild & crazy week!)
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. Whew! What a wild week it’s been! In addition to everything surrounding COVID-19… school cancellations, church cancellations, sports cancellations, my parents cancelling their trip to come see us, Kathrynne being in Suriname while all this was going down*, and just figuring out how to navigate life in the middle of all of the unknown, we’ve also personally had some pretty HUGE things happen at our house this week… namely, we said yes to fostering a newborn who was born prematurely and is currently in the NICU. So, much of our week was spent at the NICU loving on this little baby and meeting with the social worker/DCS/the medical team and learning how to care for a medically fragile baby. I had never stepped foot in the NICU up until 4 days ago, so it’s been a whole new experience. And of all of the weeks, this was probably one of the most unique and weird weeks to be spending a lot of time at a hospital!! (They have a screening process just to get in the door and then to get in the NICU is a whole other level!) The nurses and staff and social worker and DCS have all been amazing throughout this process and they have taught me so much and walked alongside us so well through this new territory. Also, we are so thrilled that the baby is doing so well, has started to bottle feed a little this week, and maybe get to come home in a few weeks! (And yes, in case you’re wondering, this means that we’re planning to have two newborns at our house soon!! The kids could not be more excited!! Of course, this is foster care, so things could always change at any time… we’re just taking one day at a time and seeking to love well in this.) If you want to follow along with this journey, I’m sharing little peeks on my Instagram stories every day. *As of last night, Kathrynne is currently stranded in Suriname because they closed the borders just hours before she was supposed to fly back home today! Her school is working hard to get this situation resolved ASAP and get the girls back home. In the mean time, she has such a good attitude about it all. You can read more details here. Okay, enough of an update! Let’s talk about groceries! We checked our stockpile and realized it was lacking in a few areas, so we shored up those areas so that we have a 30-day supply on hand — even though not everything was on sale this week. I’m grateful that we did this earlier in the week, because our stores are pretty sold out of a lot of staple items now. Jesse ran by Kroger on Monday to pick up a few things we needed: Kroger Shopping Trip #1 Potatoes — $2.49 Milk — $2.99 Cheese — $2.29 4 yogurts — marked down to $0.39 each Total with tax: $9.91 And then he ran by Aldi later on in the week to get a few more staple items: Aldi Shopping Trip 10-lb. potatoes — $3.79 Eggs — $0.58 Black Beans — $2.45 4 boxes Mac & Cheese — $0.33 each Steel Cut Oats —  $2.99 Great Northern Beans — $1.69 Milk — $2.49 Total with tax: $16.07 (The bag of sugar had a small hole in it, so they gave it to Jesse for free!!) Psst! Have you checked out my post on my 25 Favorite Things to Buy at Aldi? I’m glad we got potatoes, because our store was completely sold out of them by Friday! (Who knew potatoes would be the big thing to stock up on?? That one surprised me!) Kroger had some three-day sales that I wanted to try to take advantage of. I wasn’t sure whether they would have these items in stock when I went by on Friday night, but they did! In thinking of making sure we have a 30-day supply of food and household items, I made sure we had enough on hand to make 30 dinners with our freezer and pantry items. I always love to have a few frozen pizzas on hand — especially for a quick dinner on busy nights or if the kids have friends over at the last minute! Yay for them being on sale for just $3.14! Kroger Shopping Trip #2: 2 Kroger Pizzas — $3.14 each with the three-day sale 2 bags of rice — $1.99 each 5 packages Kroger cheese — $1.29 each with the three-day sale Eggs — $1.19 3 packages strawberries — $1.67 each 2 bunches bananas — $2.71 total 5 packages Nathan Beef Franks — $1.99 each with the three-day sale Milk — $2.99 Apples — $3.99 Total with tax: $45.42 Our Menu Plan This 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 Lunches/Snacks: Leftovers, Salad, Apples/Peanut Butter, Mac & Cheese, Banana Muffins, Danimals, Pumpkin Chocolate Chip Muffins, Cookies, Pears, Yogurt, Random other markdowns/sale items 🙂 Dinners: Sunday — Fend for yourself Monday — Turkey Meatballs, Breaded Eggplant, Salad Tuesday — Rotisserie Chicken, Steamed Veggies, Twice Baked Potatoes Wednesday — Chicken Tetrazinni, Banana Muffins, Veggies Thursday — Meatballs, Apple Crisp Friday — Leftover Meatballs, Leftover Twice Baked Potatoes, Steamed Veggies Saturday — Pumpkin Waffles, Bacon, Strawberries Total spent on groceries: $71.40 Cashback Earned: 75 points from Fetch Rewards and $1 from iBotta [...]
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How the Coronavirus Is Changing the Gig Economy

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How the Coronavirus Is Changing the Gig Economy
The new coronavirus is shaking things up in the gig economy. Gig companies and their workers are reacting to the spread of COVID-19 in light of the Centers for Disease Control and Prevention’s guidelines for employers and businesses, which recommend workers stay home when they’re sick or work from home if the company’s tech infrastructure permits. Due to being classified as independent contractors, gig workers typically don’t receive benefits – including sick leave. And because of the very nature of gig services, they can’t simply bring their work home. Over the past week, some well-known gig companies have announced changes to their policies and app features that are aimed at curbing the spread of illnesses — with some companies announcing paid leave under certain conditions. Here’s what’s changing. Delivery Gigs Delivery orders are surging nationwide. Grocery delivery company Instacart has seen a 10-fold increase in recent orders and 20-fold increases in California and Washington, Reuters reported. The company announced a “Leave it at my door” feature to limit interactions between the customer and delivery worker. Postmates and Doordash followed suit. “We know there are always people who, for health and other reasons, might prefer a non-contact delivery experience and we believe this will provide customers with that option,” Postmates said in an announcement of the feature. The bills don’t stop just because you’re ill. Here are six ways to make quick money if you need to take unpaid sick leave. The contactless delivery features are also appealing to some health-conscious ride-share drivers who would rather avoid having customers in their vehicle. For Uber drivers, the transition to food-delivery gigs is pretty seamless. Once workers are approved for the ride-sharing service, they’re eligible to start taking orders on Uber Eats using the same driver app. But there are also unforeseen hiccups. In advice groups on Facebook and Reddit, grocery delivery drivers have been venting frustrations about item shortages at grocery stores, saying that many customers’ orders include items that are out of stock. Freelance Gigs For freelancers, who are best suited for remote work, not a whole lot is changing. Projects may even increase in the short term. Several staffing agencies and freelance platforms, including TopTal and Outsize, told Forbes that freelance business is up. To stay productive, traditional businesses may turn to freelancers as they implement remote work policies and accommodate higher rates of sick leave. Pro Tip Uninsured or underinsured? Try one of these affordable health care options for freelancers (gig workers, too). Professional freelancers are also better in control of their workload and earnings than typical gig workers, and may have better luck negotiating deadlines if they fall ill. But they still don’t get paid sick days and have to foot medical costs themselves. Freelance photographers, however, are particularly vulnerable since the job often requires field work. How many freelance photographers have lost jobs due to the coronavirus? — Kacy Burdette (@KacyBurdette) March 9, 2020 Kacy Burdette, photo editor of Adweek, tweeted to her freelance photography followers, asking how the coronavirus is affecting their gigs. Scores of freelancers replied, reporting lost or delayed contracts – especially international- and event-related gigs – due to travel restrictions and cancelations of major conferences and festivals like SXSW. Ride-Share Gigs Ride-share apps and workers are perhaps most affected by recent developments with the coronavirus. Uber and Lyft encouraged their drivers and passengers to stay home if they contract the coronavirus, a potentially unworkable solution for drivers who can’t afford to go without a week or more of wages. Then, in an unprecedented development among gig companies, both ride-share providers announced that they will offer paid sick leave for quarantined or infected gig workers. “Any driver or delivery person who is diagnosed with COVID-19 or is individually asked to self-isolate by a public health authority will receive financial assistance for up to 14 days while their account is on hold,” Uber said in an announcement. Doordash announced a similar policy shortly afterward. In all three cases, drivers’ accounts are suspended until they recover. Several drivers told The Penny Hoarder they are concerned that the changes in people’s traveling habits will impact their earnings. Drivers who rely on airport fares seem disproportionately affected. Other drivers decried the cancellation of large events, which are usually ripe for picking up fares and increasing their earnings through surge pricing. Many colleges and universities are implementing online classes for the remainder of the semester, further impacting drivers’ income. “Here in New Orleans the mayor just cancelled all events this weekend,” ride-share driver June Erie said. “Drivers are worried about [the cancellation of] even bigger events coming up” such as French Quarter Fest and Jazz Fest. A fearless variety of ride-share drivers see the pandemic as an opportunity to earn more money, as some competing drivers in their area may decide to stay home. Some say the hype is to blame.  “No issues. No fear either. I’m just working as normal,” said Illinois-based ride-share driver Kristin Eiswert. Other drivers are fearful and keep driving nonetheless. Reports and videos depicting drivers in makeshift hazmat suits and bubble-like contraptions that separate them from their passengers are flooding ride-share advice groups. New York Lyft driver seals himself in airtight bubble to protect himself from the Coronavirus https://t.co/oIgHDVA3sa — Daily Mail US (@DailyMail) March 10, 2020 While most drivers share such photos for comic relief, the phenomenon seems to highlight a unique sense of unease for gig workers.  It’s true that the coronavirus may not directly impact their health. The effects on their bottom line are another story. Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, entrepreneurship and unique ways to make money. 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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Is a Sam’s Club Membership Worth It Just for Gas?

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Is a Sam’s Club Membership Worth It Just for Gas?
From chicken drumsticks to paper towels or even a trampoline, you can find just about anything at warehouse clubs like Sam’s. But what if you don’t have any use for a 10-lb bag of sugar or 32 rolls of paper towels? If you drive a lot, a Sam’s Club membership may make sense just based ... Read More about Is a Sam’s Club Membership Worth It Just for Gas? The post Is a Sam’s Club Membership Worth It Just for Gas? appeared first on Penny Pinchin' Mom. [...]
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Subway: Buy One, Get One Free Footlong Subs!

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Subway: Buy One, Get One Free Footlong Subs!
Here’s a frugal dinner idea at Subway! Through March 18th, Subway is offering Buy One, Get One Free Footlong Subs when you add two subs to your cart online or via the mobile app. No promo code needed. [...]
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Buy One, Get One Free Vitamins on Amazon!

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Buy One, Get One Free Vitamins on Amazon!
This post may contain affiliate links. Read my disclosure policy here. Right now, Amazon is offering Buy One, Get One Free on select vitamins! Here are some deals you can score… Get 2 Nature’s Bounty Vitamin D3 Pills & Supplements (240 count) for just $15.05 shipped when you checkout through Subscribe & Save! That’s just $7.52 per bottle shipped! Get 2 Nature Made Super B Energy Complex Softgels, 60 Count for just $8.16 shipped when you checkout through Subscribe & Save! That’s just $4.08 shipped per bottle! Get 2 Nature Made Magnesium Oxide 250 mg Tablets, 100 Count for just $3.80 shipped when you checkout through Subscribe & Save! That’s just $1.90 shipped per bottle! Get 2 Liquid Mineral Iron Supplement, 16 ounces for just $8.44 shipped when you checkout through Subscribe & Save! That’s just $4.22 per bottle shipped! Shop the entire vitamin sale here. 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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Pampers Baby Diaper Wipes (1,152 count) only $22.24 shipped!

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Pampers Baby Diaper Wipes (1,152 count) only $22.24 shipped!
This post may contain affiliate links. Read my disclosure policy here. Have a baby on the way? Here’s a great stock up price on baby wipes! Amazon has these Pampers Baby Diaper Wipes (1,152 count) for just $22.24 shipped when you clip the $1.50 off e-coupon and checkout through Subscribe & Save! That’s just $0.01 per wipe shipped which is a great stock up price. Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. Thanks, Passionate Penny Pincher! [...]
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Fear, Unknowns, & Courage (some thoughts on COVID-19 & more)

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Fear, Unknowns, & Courage (some thoughts on COVID-19 & more)
Early Friday morning, Kathrynne (15) got on a plane to fly to Suriname (in South America) for 9 days with a teacher and a small group of girls from school. (This picture was taken at a park there yesterday.) This is the girl who — just 5 years ago — was scared and completely uncomfortable to be around kids her age. This is the girl who has struggled with so many panic attacks and anxiety. The girl who was incredibly angry with us when we made the decision to put her in school after always homeschooling (she was so fearful of having to be around kids she didn’t know and to be in so many unknown situations all day long). This was the girl who was terrified to get on a plane to South Africa with us just 4 years ago. It’s our heart’s desire to raise self-sufficient adults, not co-dependent children. So over the past 5 years, we’ve slowly pushed her to do a lot of uncomfortable things, because we knew the only way she would grow wings and fly was if we gently nudged her out of the safety of our little nest. We often wondered if we were making the right call and we spent a lot of time crying out to God for wisdom and direction for the next step. God has been so faithful to give us wisdom — even when it’s meant making really hard calls (like quitting homeschooling). We look at her now and see that is was SO worth it — she’s a confident, outgoing 15-year-old with more friends than we can keep track of and a social calendar we struggle to keep up with. A girl who loves Jesus, life, adventure, travel, and people. A girl who excitedly jumped at the chance to go on trip to Suriname (her first international trip without us)! We’re still finding our way in what it looks like to parent teens. And I know we’ve made plenty of missteps. But we continue to just look to the Lord to give us wisdom for each new day, each new situation, each new unknown… and we trust Him to be faithful! Also, watching your kids go on their own adventures, jump out of their comfort zone, stretch themselves, and live courageously is one of the most rewarding things as a parent… even if it involves a lot of our own letting go! 😉 Tackling the Timely Topic of Fear On this week’s episode of the podcast, Jesse and I tackle the timely topic of fear. We discuss the current fears over recent tornadoes in our area, COVID-19, political unrest, sending our daughter to Suriname, and a recent situation of a lot of unknowns with potentially fostering a newborn. If you struggle with fear — especially when it comes to unknowns or your kids — I think this episode will really encourage you. Fear isn’t necessarily a bad thing; it’s how you choose to act as a result of that fear. In This Episode:  [01:44] Our area was hit by some devastating tornadoes, which is rare and has shaken up our community.  [03:33] On top of that, the first case of COVID-19 was reported in our area the day we recorded this. We also just sent our daughter on a plane to spend 9 days in Suriname and we’ve walked through a lot of unknowns in foster care. We’ll talk more about what we’re learning from all of this later on in the show. [05:14] But first, AT&Ts international plan is saving Jesse’s life right now and lotion is saving my life this week.  [08:52] To go along with this week’s theme of fear, my book pick is one I highly recommend:Raising Worry-Free Girls.  [11:41] We’ve been receiving some amazingly kind reviews on the podcast lately. Thank you! [14:44] Get ready to dive into fear. First, I share the entire emotional journey we went through while waiting to potentially foster a newborn. (We’re still waiting on the call!) [19:00] How I let go of the fear and anxiety I was feeling around this whole fostering situation. It wasn’t easy, but it was so good for me to work through. [21:13] We discuss the emotional turmoil our community is feeling with the tornadoes, COVID-19, and political unrest and we share lessons and thoughts on fear.  [23:31] Did you know fear can actually be helpful and isn’t necessarily a bad thing? [24:25] Fear can either propel you to healthy action or paralyze you from taking action. [26:20] We want to raise adults. Letting Kathrynne go on this trip and prep for this trip is one more step in the right direction. [28:38] How are you going to act or react when fear arises? Links and Resources: Sprigs and Twigs Raising Worry-Free Girls by Sissy Goff CrystalPaine.com MoneySavingMom.com YourBloggingMentor.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player here. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. [...]
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Freaking Out About the Stock Market? Read This

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Freaking Out About the Stock Market? Read This
If you think the recent stock market correction is terrible, you’re right. Watching your net worth decline by close to 20% in a couple of weeks is no walk in the park. But take a brief walk with me down memory lane and look at a bit of my work history. Maybe it can provide a little perspective that will help you make better decisions. It's not the usual blah, blah, blah. Click here to sign up for... [...]
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Annie’s Creative Girls Club Discount: Two Craft Kits for $1.99 Each + Shipping!

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Annie’s Creative Girls Club Discount: Two Craft Kits for $1.99 Each + Shipping!
This post may contain affiliate links. Read my disclosure policy here. If you have a daughter who is really creative or loves craft projects, don’t miss this chance to get an Annie’s Creative Girls Club discount — just $1.99 per craft kit plus shipping costs! {Psst! Check out my other favorite subscription boxes for kids!} Have a daughter who loves crafts? Do you have a daughter who loves all things crafts? If so, you don’t want to miss this fun deal to get 80% off your first craft box from the Creative Girls Club! Annie’s recently sent me a craft box to check out, and I was SO impressed with everything you get for the price. It would be such a perfect gift for a young child in your life who loves to create or do craft activities! What is the Creative Girls Club? Annie’s Creative Girls Club is a monthly subscription program created for girls ages 7-12. Each monthly box comes with two craft kits, which includes easy-to-follow instructions and all the materials needed for each craft. Most of the crafts can be made with very little adult supervision. There is a nice variety of craft kits, including painting, beading, stitching, paper crafting, jewelry making, and much more! Each month comes with new crafts, so it’s a fun surprise for kids to look forward to! Get 80% off your first Annie’s Creative Girls Club Box! If you want to try a box for your daughter, you can currently get an exclusive 80% off when you shop through this link! No promo code required. With this discount, you’ll pay just $3.98 + shipping. Since each box comes with two craft kits, this is like paying just $1.99 per craft kit plus shipping. Shipping adds $5.95, so you’ll pay $9.93 shipped for your first box with two craft kits. The regular price on these craft boxes is $25.93 shipped, so this is a great opportunity to try a box at a much lower price! {Note: After your first discounted box, you’ll be charged at the regular monthly price each month after that. But it’s really easy to pause or cancel your membership at any time after receiving your first box. Simply log in to your account and follow the instructions to cancel.} Go here to get your first two craft kits for $1.99 each, plus shipping! [...]
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Free 30-Day Trial to Monarch Homeschool Online Curriculum — No Credit Card Required!

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Free 30-Day Trial to Monarch Homeschool Online Curriculum — No Credit Card Required!
If you’re a homeschooling family, you don’t want to miss this exclusive FREE 30-day trial to Monarch Homeschool Online Curriculum! (And be sure to check out all the other free homeschool curriculum we post each week!) (Note: This post is sponsored by Alpha Omega Publications. Read our disclosure policy here.) Looking to Switch Up Your Homeschool Curriculum? Are you a homeschooling family looking to switch up your current curriculum or try out an online curriculum? Or maybe you’re considering the idea of homeschooling next school year? Either way, you’ll definitely want to check out this offer for a FREE 30-day trial to Monarch Homeschool Online Curriculum! (Scroll to the bottom of this post for the exclusive coupon code for this deal!) What I Loved About Monarch Homeschool Curriculum We used this curriculum for two years while we were homeschooling and there were so many great things about it! Kids can work at their own pace, grades are automatically recorded, and the online curriculum is so interactive. In addition to textbook-style learning, they break things up with videos, interactive quizzes, audio lessons, and games to play (these were favorites at our house!). It was especially helpful that our kids could log into Monarch Homeschool from anywhere where there was a computer and Internet access — and this allowed us to take school with us on the road or on a plane! I also loved that our kids could go at their own pace and mix & match grades. So if a child finished the current subject in their current grade, they could move on to the next grade — without us having to buy any new curriculum or pay an additional fee! For instance, Silas struggled with reading and phonics but excelled in math, so he worked ahead a few grades in math! He was highly motivated to keep getting all the answers correct and see how far he could get! It was also super simple because I didn’t have to plan lessons and I could see instantly how the kids were doing in all their subjects by logging into the teacher/parent portal. If you are looking for something different and fresh for your homeschool curriculum next year, definitely scroll down to the bottom of this post to get a FREE no-strings-attached trial to Monarch Homeschool! Benefits of Monarch Homeschool Curriculum: There are four budget-friendly plans to choose from. Monarch is perfect for frugal homeschooling families. Pay as you go for a budget-friendly approach to homeschooling or save even more when you purchase a yearly plan. Both options are available for an individual student or the whole family. It’s flexible. No matter the time, place, or your child’s preferred pace, Monarch lets homeschoolers study when and how it is convenient for them. Monarch is globally available 24/7 for PC or Mac. You can also customize your subscription to your benefit. Students can work at their own pace. As I mentioned above, you can mix and match grade levels and customize curriculum for each individual child! You have online access to over 50 courses for grades 3 through 12 in their five main subjects (history and geography, math, science, language arts, and Bible), plus over 115 electives! Automated grading frees up your teaching time for other important tasks. Record-keeping is easy and feedback is instant. Monarch stores all student data digitally and automatically grades 85% of student work. It makes homeschool organization a breeze. You can view and print daily, weekly, quarterly, and yearly grade reports. Monarch Homeschool also securely stores all records for seven years after a child finishes the program. Samples of work and past grades are effortlessly accessible! It allows for shorter and diverse homeschool days. Because of its self-paced features, excellent organization, and automated grading, actual curriculum learning time doesn’t take nearly as long each day — leaving a lot more room for hands-on or experiential learning, extracurriculars, creative play, or real-world career experience! Students build professional communication skills every day. Monarch’s built-in messaging system provides students with an opportunity to practice virtual communication skills as they encounter questions or concerns while completing coursework. It provides immediate access to the latest information. As history happens and technology advances from day to day, you don’t have to wait around for software updates. You can update Monarch Homeschool Online Curriculum any time, providing your child with constant access to the most up-to-date information. Try Monarch Homeschool Online Curriculum for FREE! Right now, MSM readers can get an exclusive FREE 30-day trial! Just use coupon code MON30MSM in the promo code box during the sign-up process to get this deal — no credit card required. This is a great opportunity to try it out and see if it’s a good fit for your child! Go here to sign up for FREE! [...]
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*HOT* Kindle Unlimited Trial: Completely FREE 2-Month Subscription ($19.98 Value!!)

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*HOT* Kindle Unlimited Trial: Completely FREE 2-Month Subscription ($19.98 Value!!)
This post may contain affiliate links. Read my disclosure policy here. If you’ve been wanting to try Kindle Unlimited, don’t miss this FREE 2-month Kindle Unlimited Trial! It’s a great opportunity to score some fantastic reads for free. This HOT offer has been extended through April 30th! Right now, you can sign up to get a FREE two-month subscription to Kindle Unlimited! And the best part is that you can take advantage of this deal even if you’ve signed up in the past! Since Kindle Unlimited is usually priced at $9.99 per month, this is a RARE savings of $19.98! This is a fantastic deal and we haven’t seen a FREE two-month Kindle Unlimited deal in a while. When you sign up for this deal, you’ll get access to over 700,000 ebooks and thousands of audiobooks — all for free! The available books change pretty often, but right now they have The Day the World Came to Town — a book I read last year and absolutely loved! I highly recommend reading it. Free 2-Month Kindle Unlimited Trial Interested in this deal? Here’s how it works: Sign up for a free 2-month subscription to Kindle Unlimited Click on the Kindle Unlimited tab in your Amazon bar to search for available titles (you can search individually or sort by genre). You’ll be able to add up to 10 titles to your Kindle Unlimited account at a time. Once you’ve finished reading a title, just return it and borrow another. You can read or listen to the titles on any device with the free Kindle app. Be sure to cancel your subscription before your 2 month subscription is up, otherwise, you’ll be charged $9.99 per month. Want some other suggestions of great titles to read that you can possibly read for FREE with your Kindle Unlimited Trial? Here are some other great reads that are currently available: Dear Bob and Sue — I read this book last year and loved it! And it inspired me to want to visit all the National Parks! Beneath a Scarlet Sky — This has been on my to-read list for over a year! Manage Your Day-to-Day — This one had some great inspiration in it. The Miracle Morning — A good title if you struggle with mornings. I’d Rather Be Reading — I enjoyed this short book by Anne Bogel. Your Best Year Ever: A 5-Step Plan for Achieving Your Most Important Goals — I’ve been wanting to read this new book by Michael Hyatt. The Complete Ketogenic Diet for Beginners — If you’re interested in trying a Keto diet, this might be a good resource! It’s the #1 ketogenic cookbook on Amazon. Boundaries: When to Say Yes, How to Say No to Take Control of Your Life — If you have trouble saying “no” as often as you should, this looks like a really great read that has over 4,000 5-star ratings. I’d love to know what other titles you find that you can read on Kindle Unlimited with this great deal! Go here to sign up for your free 2-month subscription! [...]
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The $5 trillion ETF market has been tested

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The $5 trillion ETF market has been tested
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We spent $68.74 on groceries this week (ALDI + Kroger)

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We spent $68.74 on groceries this week (ALDI + Kroger)
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. We’ve been eating a LOT of cereal these days. Somewhat because I’m moving more slowly and am more tired now that I’m in the third trimester so it’s an easy snack/meal, but also because I keep getting great deals on it and cereal/milk are one of the few things that don’t give me heartburn! (I didn’t get a picture of these groceries before the kids already got into the cereal & milk!) Kroger Shopping Trip #1 1 gallon milk — $2.69 2 tubes Colgate toothpaste — $1.99 each when you buy 5 participating items, used $4/2 Kroger digital coupon = free after coupons 1 box Raisin Bran — $1.79 when you buy 5 participating items 2 boxes Cheerios — $1.99 each when you buy 5 participating items, used $1/2 Kroger digital coupon = $1.49 each after coupons Total with tax: $8.49 I was so excited that Kroger had butter on sale for $1.99 again this week! We still have 4 pounds in the freezer from the last sale, but you can bet I went ahead and got 5 more pounds to stock the freezer! Kroger Shopping Trip #2: 2 loaves Bakery French Bread — marked down to $0.89 each 1 bag of pears — marked down to $0.99 2 jars of cinnamon/nutmeg — $1 each 1 3-lb. bag of Navel oranges — $1.99 2 bags of frozen Broccoli/Cauliflower — $1/bag 5 packages of sausage — $1.88 each with Friday-Saturday Kroger digital coupon 1 dozen eggs — $2.50 Milk — $2.99 5 pounds of butter — $1.99 each with Friday-Saturday Kroger digital coupon Total with tax: $35.70 Since we had about $26 left in our grocery budget, I decided to run by Aldi on Saturday after Silas’ baseball practice. I was hoping to pick up some cereal and cheese. I let Silas add up the amount of the our purchases as we added things to the cart and he made sure we stayed within our budget. He did a great job of doing the mental math! Aldi Shopping Trip Chocolate Chip — $1.69 Dried Cranberries — $1.29 2 Cinnamon Crunch cereal — $1.39 each 3 boxes of Macaroni & Cheese — $0.33 each 6-pack of Peach Tea — $3.99 Eggs — $0.58 Baby Carrots — $0.89 2 Honey Crunch Oats cereal — $1.29 Milk — $2.49 Frosted Flakes — $2.29 2 packages cheese — $1.69 each Total with tax: $24.55 Our Menu Plan This 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 Lunches/Snacks: Leftovers, Salad, Apples/Peanut Butter, Mac & Cheese, Danimals, Pumpkin Chocolate Chip Muffins, Scrambled Eggs, Cookies, Chips, Random other markdowns/sale items 🙂 Dinners: Sunday — Frozen Pizza Monday — Quiche (used marked down pie crust, mixed veggies, ground beef, eggs, spices), Apple Turnover (used marked down pie crust) Tuesday — Instant Pot Apples, Pumpkin Waffles, Sausage Wednesday — Chicken Noodle Soup, Pumpkin Chocolate Chip Muffins Thursday — Parmesan Chicken, Rice Pilaf, Peas, Biscuits Friday — Leftover Buffet, Oranges (Jesse was out of town) Saturday — Frozen Pizza, Salad (Jesse was out of town) [...]
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This Week in Fintech ending 28 February 2020

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This Week in Fintech ending 28 February 2020
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My Free Amazon Baby Box Came in the Mail!

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My Free Amazon Baby Box Came in the Mail!
This post may contain affiliate links. Read my disclosure policy here. If you are pregnant or adopting, you can get a FREE Amazon Baby Box when you create an Amazon Baby Registry! I just got mine a few days ago and was so impressed with what was in it! Psst! Looking for more baby freebies? You can also get a FREE Target Baby Registry Gift Bag! And be sure to check out all the great Baby Deals we’ve recently posted. If you’re pregnant or adopting and plan to create an Amazon Baby Registry, I don’t want you to miss out on this great FREEBIE! I just ordered my box and was so impressed with this free box. In order to sign up for it, just set up an Amazon Baby Registry, add some items to the registry, and order at least $10 worth of items from the registry. Since we’re currently collecting things for our baby stockpile, I wanted to have a bulk package of wipes. So I found a deal on them, added these to the registry, and then purchased them off the registry — thus qualifying for the free Amazon Baby Welcome Box. (Psst! I used an Amazon gift card I had earned for free from Swagbucks to pay for it!) Once you’ve purchased $10 worth of items off your Amazon Baby Registry, just click on your registry and go up to the section at the top of the page that says Welcome Box (see above). Click on it and follow the instructions to order your box. My box came within two weeks and was packed with goodies! Here was everything that came in my FREE Amazon Baby Box: 10-pack of WaterWipes Cetaphil Baby Wash sample size bottle Avent Nursing Pads Muslin Swaddle Blanket (I was especially excited about this!) Pipette Shampoo and Conditioner samples Draft Laundry Detergent sample Moon and Back Baby Onesie Avent Bottle Click here to order your own FREE Amazon Baby Box. P.S. Don’t forget to get your FREE Target Baby Registry Gift Bag, too! [...]
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3 Easy Ways to Get Free Tickets to Advance Movie Screenings

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3 Easy Ways to Get Free Tickets to Advance Movie Screenings
Ever wonder how people get invited to advance movie screenings? If you’re like me, you’ve assumed such events are reserved for VIPs and members of the media.  The truth is, anyone can get free tickets to early movie screenings. Film studios regularly give away tickets to create positive buzz and press before the official release of a film.  3 Ways to Get Tickets to Advance Movie Screenings Curious about how to get free passes to advance movie screenings? If you’re a big movie fan, the following tips could save you hundreds, if not thousands, of dollars in admission prices. 1. Sign Up With Gofobo  Register for a free account with Gofobo, a site where movie studios and public relations firms offer advance movie screening passes directly to members of the general public.  Why are the studios giving these tickets away for free? They know that people who enjoy the film will provide free word-of-mouth advertising by talking to their friends and posting on social media.  Public screenings listed on Gofobo are open to everyone until tickets run out. To attend a private screening, you’ll need a private RSVP code.  Other useful sites to check out are SeeItFirst.net, which sometimes offers films exclusively to its members via email, and AdvanceScreenings.com. 2. Follow PR Firms on Social Media  PR firms offer free tickets, prizes and invitations to special events to generate excitement for upcoming movie releases.  Allied Global Marketing is the largest of these PR firms. Find the company on Twitter @AlliedGlobalMkg. Allied will keep you updated on the latest Hollywood news, trailers and more. If you’re going to be hanging out on social media anyway, you may as well earn free stuff, right? A few other websites, like Advance Movie Screenings and Wild About Movies, list advance movie screenings. Follow their Twitter and Facebook pages for your city, state or region. These sites don’t require RSVP codes. Instead, tickets are issued by random draw or on a first come, first served basis. 3. Tune In to the Radio Radio stations give away free movie passes all the time. Check your local station’s website to see if it has a VIP member club or reward program.  Some stations allow their listeners to collect member points online by answering trivia questions or clicking on sponsored links. These points can then be redeemed toward movie passes and other prizes. Subscribe to radio station newsletters to stay updated on their latest contests and giveaways. How to Watch Movies for Free AND Make Money Doing it Going to the movies for free is awesome, but how much better would it be if someone were paying you to do it?  You could earn money at movie premieres by counting audience members and noting which previews run before the main feature.  If you’re a writer, review films for your local paper or set up a movie review blog and earn advertising revenue. There are many ways to earn money by watching movies. Get creative!  FROM THE SAVE MONEY FORUM Maybe Obvious, Maybe Not 2/27/20 @ 1:57 PM Financial Fitness February: Day 2 2/3/20 @ 12:30 AM try this 2/21/20 @ 3:02 PM Help me out here. Theater or no theater? 2/20/20 @ 7:41 AM See more in Save Money or ask a money question What Else Do You Need to Know? Be sure to arrive at least 30 minutes before the screening. Keep in mind that the first few rows of the theater are reserved for members of the press, and screenings are frequently overbooked. You may be turned away if you don’t show up early enough.  For my first screening, I arrived at my local theater 20 minutes early and was shocked to see how many people were already lined up outside of the box office.  After the screening, you’ll likely be asked to give your opinion on the film or fill out a questionnaire. This is your opportunity to let the studio, screenwriters, directors, producers and cast know what you thought of the movie! By following the above steps, you should be able to grab a pair of free movie passes in no time. And with the extra money you’re saving at the box office, you won’t feel so guilty for splurging on those Gobstoppers. Happy movie going! Althea Clarke 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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10 Books You Can Read for Free on Kindle Unlimited

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10 Books You Can Read for Free on Kindle Unlimited
This post may contain affiliate links. Read my disclosure policy here. Did you see the news? Through March 1st, you can sign up to get a FREE two-month subscription to Kindle Unlimited! And the best part is that you can take advantage of this deal even if you’ve signed up in the past! Since Kindle Unlimited is usually priced at $9.99 per month, this is a RARE savings of $19.98! This is a fantastic deal and we haven’t seen a FREE two-month Kindle Unlimited deal in a while. When you sign up for this deal, you’ll get access to over 700,000 ebooks and thousands of audiobooks — all for free! Free 2-Month Kindle Unlimited Trial Interested in this deal? Here’s how it works: Sign up for a free 2-month subscription to Kindle Unlimited Click on the Kindle Unlimited tab in your Amazon bar to search for available titles (you can search individually or sort by genre). You’ll be able to add up to 10 titles to your Kindle Unlimited account at a time. Once you’ve finished reading a title, just return it and borrow another. You can read or listen to the titles on any device with the free Kindle app. Be sure to cancel your subscription before your 2 month subscription is up, otherwise, you’ll be charged $9.99 per month. I spent some time this afternoon going through a lot of the books that are available for free on Kindle Unlimited right now. Here are 10 that I recommend looking at downloading: Dear Bob and Sue Alrighty, this might brand me as super corny and with weird sense of humor, but I really loved this book! In fact, it was one of my favorite books I finished in May. It’s written as a series of letters to Bob and Sue from their friends, Matt and Karen Smith. Matt and Karen are a couple who set a goal to visit every single one of the US National Parks. I found their wit and sarcasm to be laugh out loud funny and their letters to be very interesting. Also, their teasing and poking fun at one another to be so much like Jesse and me. Needless to say, I loved the book… which shocked me considering I never once would have thought of myself as someone who would find a book of letters about visiting National Parks to be something I wouldn’t just tolerate but would enjoy. And guess what? They inspired me to want to visit all the National Parks, too. Or at least start visiting some of them — something I haven’t done in years (we visited some of them growing up but it’s not been on my priority list for vacations since Jesse and I got married). I told Jesse that after we finish our goals to visit all 7 continents and 50 states, maybe we can set another goal to visit all the US National Parks? The Next Right Thing This is a book you can go back to again and again and each time it will hit you in a new and fresh way. Each short chapter is heartfelt, thoughtful, powerful, and impactful… and leaves you with intentional but simple action steps to take and insightful questions to help you gain more clarity for right now and for your future. If you struggle to make decisions, you’re in the midst of a big life change, you’d just love some quiet guidance to be more intentional with your days, or you love Emily’s writing and podcast, this book is for you! Emotionally Healthy Spirituality A friend gave me this book and said it had really impacted her life. I hadn’t heard of it before and wasn’t sure what I was going to think of it. Then I started reading… and within a few chapters, I knew it was going to be one of those really life-changing books. The book is all about how our emotional and spiritual health are so tied together and how we often overlook this. The author talks about how often we seem to think that our past and our baggage and all the things we try to pretend don’t exist or stuff down or not deal with won’t affect us in the long run… but it will! There are so many things I gleaned from this book and so many sections that challenged me in deep ways. I feel like I will be processing its message for a long time to come. One of the areas in the book that really encouraged me was to recognize how much the changes I’ve made in the last two years to slow down and savor life more. I realize how these changes have truly allowed me to become so much healthier as a person — physically, mentally, and spiritually. There were numerous quotes that I loved from the book, but one that I shared on Instagram was this: “True freedom comes when we no longer need to be somebody special in other people’s eyes because we know we are lovable and good enough.” In Christ, we are enough. We are loved. We are redeemed. We are forgiven. When we live in light of this truth, we can walk in amazing freedom and confidence — and we can love other people so much more deeply and authentically. Loving the Little Years This is not a book with lots of practical, hands-on advice, but it’s a book the deals with the heart issues we moms face. I didn’t agree with the author on all points (I’m not really sure that I ever do, though!) and think we have to be careful when reading parenting books because what works for one family or one child isn’t necessarily what will or should work for another family or child. That said, I was convicted, and inspired by Loving the Little Years. It made me really step back and re-examine my own heart and how I am responding to and discipling my children on a daily basis. Sometimes, it’s easier (in the moment) to just slap band-aids and quick fixes onto behavior and attitude issues, instead of really taking the time to deal with the heart issues and struggles our children are facing. This book challenges moms to really delve down to the heart of the matter. As the author says, “The state of your heart is the state of your home.” Note: You can also get Rachel’s other two books, Fit to Burst and You Who? for free on Kindle Unlimited, too. Begin Again This book moved me at a deep level. While I felt like sometimes I wasn’t poetic enough to understand the depths of what was being communicated. It felt so raw and honest and vulnerable and yet so beautiful and rich and inspiring. I didn’t want it to end. Two of the quotes that were the most meaningful to me: “We don’t get to the truth while we’re deeply invested in what’s false.” “God’s story is a narrative of emancipation.” More Recommended Reads/Books I Want to Read: Anything –I read this years ago, but I remember it deeply impacting me! Maybe it’s time to read it again (especially since I realized that I didn’t write a review on it for the blog! The Sacred Enneagram — This is on my to-read-soon list as it’s been highly recommended to me! Beneath a Scarlet Sky — This one is also on my shelf and I’m really hoping to get to read it this year as I’ve heard rave reviews of it! The Green Ember — We enjoyed reading this book aloud when the kids were younger. God’s Smuggler — This was one of my favorite books as a teen. Did you know you can also access magazines for free — like HGTV magazine? I’d love to know what other titles you find that you can read on Kindle Unlimited with this great deal! Go here to sign up for your free 2-month subscription! [...]
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Intuit Muscles Up With Strategic Fintech Acquisition

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Intuit Muscles Up With Strategic Fintech Acquisition
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HGTV magazine subscription for just $12.50/year! (I love this magazine!)

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HGTV magazine subscription for just $12.50/year! (I love this magazine!)
This post may contain affiliate links. Read my disclosure policy here. Wow! We haven’t seen a deal on an HGTV magazine subscription in a really long time! Right now, you can get a one-year subscription to HGTV magazine for just $12.50! Just use coupon code MONEYSAVING to get this deal! You can order up to 3 years at this annual price.   I completely surprised myself by loving HGTV magazine when someone gifted me a subscription a couple years ago. I honestly didn’t think I’d like it, but ended up falling in love with it! I adore the beautiful pictures, it motivates me to add more beauty to our lives, and it inspires me to be more creative in decorating our home. This would make a great gift for yourself — or for a friend! Valid through February 28, 2020. [...]
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We Spent $68.24 at the Grocery Store This Week (+ our dinner menus)

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We Spent $68.24 at the Grocery Store This Week (+ our dinner menus)
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 to find some great deals at Kroger, be able to stock up on a few things, and stay under budget. Here’s what we bought this week: Kroger Shopping Trip #1: 4 boxes Creamette Pasta — $0.49 each with the digital coupon Duncan Hines Microwave Cakes (I thought these would be fun to have for a movie night) — marked down to $0.39 each Kroger Hashbrowns — $1.79 Fresh Salsa — marked down to $0.99 1 bag of apples — marked down to $0.99 4 jars Kroger peanut butter — $0.99 each after digital coupon 1 jar natural Kroger peanut butter — $1.79 Kroger cheese (16 oz.) — $3.99 Pillsbury Pie Crust — marked down to $0.99 3-lb bag of Gala apples — $3.99 2 lbs ground beef — marked down to $1.99 each 3 bottles Odwalla juice — marked down to $0.99 each 2 boxes Kroger cereal — $1.49 each Milk — $2.79 Half & Half — $1.99 Total with tax: $38.38 Kroger Shopping Trip #2: 2 boxes Kroger cereal — $1.49 each Hostess Cupcake Dessert Mix — marked down to $0.39 2 cans Chef Boyardee — marked down to $0.19 each Simple Truth Refried Beans — marked down to $0.39 4 bags Kroger Frozen Veggies — $1 each Lemi-Shine Dishwasher Tabs — marked down to $0.89 5 packages of Pampers wipes — $0.99 each with Friday-Saturday digital coupon 2 Stayfree pads — $1.69 each when you buy 5 participating items, used $3/2 Kroger digital coupon = $0.19 each 2 Suave shampoo/conditioner — $0.99 each when you buy 5 participating items, used $1/2 Kroger digital coupon = $0.49 each Kellogg’s Raisin Bran — $1.79 when you buy 5 participating items Milk — $2.99 Simple Truth Eggs — marked down to $1.49 Total with tax: $29.86 Our Menu Plan This 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 Lunches: Leftovers, Salad, Apples/Peanut Butter, Mac & Cheese, Yogurt, Cookies, Chips, Random other markdowns/sale items 🙂 Dinners:  Sunday: Leftovers + Mac & Cheese Monday: Breakfast Casserole (recipe sent to me by a follower) Tuesday: Fend for yourself + leftovers Wednesday: Tyson Anytizers, Broccoli, Brown Rice Thursday: Chicken Tetrazinni, Green Beans, Bran Muffins Friday: Pumpkin Waffles, Bacon (Jesse & I went out to dinner with a gift card we were given by his parents — we’re trying to get in some dates before the baby gets here!) Saturday: Dinner out (Kathrynne had an out of town basketball tournament) [...]
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Kids Pretend Cotton Teepee Play Tent only $35.99 shipped (Reg. $82!)

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Kids Pretend Cotton Teepee Play Tent only $35.99 shipped (Reg. $82!)
This post may contain affiliate links. Read my disclosure policy here. This Kids Pretend Cotton Teepee Play Tent is so cute and would provide so much entertainment for kids! You can get this 6ft Kids Pretend Cotton Teepee Play Tent with Mesh Window and Carrying Case for only $35.99 shipped when you use the promo code BCPTENT at checkout! Choose from eight colors. Valid through February 26, 2020. [...]
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What is Woot and How Can it Save You Money?

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What is Woot and How Can it Save You Money?
Recently, my husband announced that he had finally purchased us a new robotic vacuum to help with cleaning around the house. I naturally assumed that he’d ordered it from Amazon and that I could expect it to arrive in two days with Prime. To my surprise, however, he mentioned that he purchased it from a ... Read More about What is Woot and How Can it Save You Money? The post What is Woot and How Can it Save You Money? appeared first on Penny Pinchin' Mom. [...]
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Intex Comfort Plush Elevated Dura-Beam Airbed with Electric Pump only $36.99 shipped (Reg. $75!)

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Intex Comfort Plush Elevated Dura-Beam Airbed with Electric Pump only $36.99 shipped (Reg. $75!)
This post may contain affiliate links. Read my disclosure policy here. This Intex Comfort Plush Elevated Dura-Beam Airbed with Electric Pump is perfect for guests and camping! Amazon has this Intex Comfort Plush Elevated Dura-Beam Airbed with Internal Electric Pump for only $36.99 shipped right now – the lowest price on record! 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. Thanks, Midwest Money Saving Mommas! [...]
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Amazon: Get $10 off three household essentials

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Amazon: Get $10 off three household essentials
This post may contain affiliate links. Read my disclosure policy here. Need to stock up on household essentials? Amazon is offering $10 off when you purchase three select household essential items. Amazon is currently offering $10 off your purchase of three select household essential items! Just choose your products from this page, add them to your cart, and the discount will automatically come off at checkout. Here are a couple of deal ideas… Buy 3 Tide Free and Gentle HE Laundry Detergent Liquid or Original Scent  – $11.97 each Get $10 off 3 select household essentials $25.91 shipped after discount = $8.63 per bottle shipped Buy 3 Swiffer Sweeper Dry Mop Refills – $11.37 each Get $10 off 3 select household essentials Choose to subscribe and save (you can cancel your subscription at any time after your order has shipped) $24.11 shipped after discount = $8.03 per box shipped Buy 3 Clorox Disinfecting Wipes Value Pack (3 pack) – $9.44 each Get $10 off 3 select household essentials Choose to subscribe and save (you can cancel your subscription at any time after your order has shipped) $18.32 shipped after discount = $6.10 per pack shipped *Note: For Subscribe & Save items, you can go into your Amazon account after your order ships and cancel your subscription if you don’t want recurring orders. [...]
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T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) only $18.89 shipped!

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T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) only $18.89 shipped!
This post may contain affiliate links. Read my disclosure policy here. These T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) look like SO much fun! You can get these T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) for just $14.99 shipped when you use the promo code PRES10 at checkout! This set includes two T-Rexes and two Triceratopses, all individually wrapped — making them the perfect Easter basket gift idea! Valid through February 17, 2020, while supplies last. [...]
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*HOT* Adventure Academy Annual Subscription for just $3.75 per month!

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*HOT* Adventure Academy Annual Subscription for just $3.75 per month!
This post may contain affiliate links. Read my disclosure policy here. Whoa!! Do you have elementary or middle school aged kids who love online gaming? Be sure to check out this HOT deal on an annual subscription to Adventure Academy!! Psst! You can also get HUGE savings on ReadingIQ and ABCmouse right now!! As a special Presidents Day deal, you can currently get an annual subscription to Adventure Academy for just $45 — which is like paying just $3.75 per month! This deal is valid through February 17, 2020. They’ve only offered this low price a couple other times! Regularly priced at $110, so this is a HUGE savings! It’s like getting 5 months for free at the regular price. Adventure Academy is a brand new MMO game created specifically for kids in elementary and middle school. It features thousands of enjoyable learning activities that kids can discover on quests through an interactive virtual world. Developed by the top video gaming designers and crafted by a team of curriculum experts, Adventure Academy is a highly engaging and creative platform that focuses on building critical knowledge and skills in language arts, math, social studies, science, and more! Adventure Academy features thousands of educational learning activities, such as videos, reading experiences, games, quizzes, and many other interactive elements— all within the frameworks of U.S. (and international) curriculum standards. I checked it out and it plays a lot like an adventure game (think Zelda!) but within an educational framework. It’s really cool! Go here to take advantage of this RARE deal on Adventure Academy. [...]
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This Week in Fintech ending 14 February 2020

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This Week in Fintech ending 14 February 2020
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5 Cellphone Plans That Come With Free Streaming TV

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5 Cellphone Plans That Come With Free Streaming TV
This post comes from partner site WhistleOut.com. All major carriers like AT&T, Verizon, Sprint and T-Mobile now offer incredibly competitive unlimited data plans. In their effort to win your business, these carriers (and some smaller mobile companies) are now offering streaming service as a free perk for signing up for one of their unlimited plans. So, if you’re in the market for an... [...]
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Columbia Men’s Voodoo Falls 590 TurboDown Jacket only $58.98 shipped (Reg. $150!)

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Columbia Men’s Voodoo Falls 590 TurboDown Jacket only $58.98 shipped (Reg. $150!)
This post may contain affiliate links. Read my disclosure policy here. This is a fantastic deal on this Columbia Men’s Voodoo Falls 590 TurboDown Jacket! Columbia has this Men’s Voodoo Falls 590 TurboDown Jacket for just $58.98 shipped right now! Be sure you are logged in to your account (it’s free to join) to get this price! This is regularly $150 and has amazing reviews so this is a hot deal. Choose from four color options. [...]
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It’s Back!! Buy 2, Get 1 Free Books on Amazon {Includes Many of My Favorite Reads!}

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It’s Back!! Buy 2, Get 1 Free Books on Amazon {Includes Many of My Favorite Reads!}
This post may contain affiliate links. Read my disclosure policy here. Wow! If you love reading, don’t miss this HOT deal on Amazon where you can score Buy 2, Get 1 Free books! Woohoo! This HOT deal is back!! For a limited time, Amazon is running a big Buy 2, Get 1 Free Sale on a huge selection of books! No promo code needed. Just add three books to your cart and one of them will automatically be free. This is a RARE offer and is a perfect time to grab some of your favorite books or a few to give as gifts! There are over 1200 book titles to choose from. The offer also includes movies, music, toys, and games. You can click on “books” on the left sidebar to see just the book titles. Looking for book recommendations? Here are some books included in the sale that I’ve read and enjoyed in the past: Before We Were Yours — This was one of my top 10 favorite reads from 2019. Daring Greatly — This book impacted me deeply and has forever changed how I think and live. Atomic Habits — This is one of the best books on habits that I’ve ever read. I listened to the audiobook for free on Libby and loved it so much that I bought a hard copy — something I rarely do! The Tattooist of Auschwitz — This true story really drew me in and was a beautiful and heart-wrenching story. Rhythms of Renewal — I loved this book enough to ask Rebekah Lyons (the author) to join me on a podcast episode! Wonder — This was one of my top 10 favorite reads in 2017. This book is such a worthwhile read! I read it in two days and can’t recommend it highly enough — especially if you have kids around ages 9-12 Parenting — I really enjoyed this book and appreciated the author’s strong emphasis on the Gospel as that is often missing in parenting books. The Giver — I absolutely loved this story and it was one of my top 10 favorite reads in 2017. Present Over Perfect — This book is one I savored slowly and it was the perfect book for me during my Year of Rest in 2018. The Road Back to You — If you’re interested at all in the Enneagram, I highly recommend this book as a starting place! Hillbilly Elegy — This was a really interesting read, if you can get through all the language. You can see my complete honest thoughts here. The Life Changing Magic of Tidying Up — I thought I was a minimalist. Then I read this book. And the question, “Does it spark joy?” really changed how I approached so much of life! Read more of my honest thoughts here. Uninvited — If you struggle with feeling lonely, left out, or like you don’t belong, please do yourself a favor and get a copy of this book. It’s Not Supposed to Be This Way — If you’re going through a difficult time in life, this book might be a real encouragement for you. Lilac Girls — This is a really compelling, tragic, and gripping story of the horrors of concentration camps. It was one of my top 10 favorite books from 2017. Crazy Love — If you’re a Christian, I cannot recommend this book highly enough. I read it years ago, and it challenged me to pull out of my complacency as a follower of Christ. Big Magic — While I strongly disagree with much of the author’s worldview and some of her insights, her book really challenged me as a creative. I especially loved her thoughts on fear. All The Light We Cannot See — This is a well-written and deeply moving book. I really enjoyed it! The Jesus Storybook Bible — This is our family’s favorite children’s Bible story book. It’s accurate, doctrinally sound, and not filled with nonsense and fluff. We read it out loud to our children when they were younger over and over again. Here are some other popular books included in the sale: The 5 Love Languages The Total Money Makeover The Complete Ketogenic Diet for Beginners The Whole30 Jesus Calling Magnolia Table The Immortal Life of Henrietta Lacks Anne Frank: The Diary of a Young Girl Oh, The Places You’ll Go! The Giving Tree There are also several popular children’s books to choose from: Llama Llama I Love You The Very Hungry Caterpillar Giraffes Can’t Dance Are You My Mother? The Day the Crayons Quit The Pout-Pout Fish Press Here God Gave Us You Love You Forever Chicka Chicka Boom Boom Dr. Seuss Beginner Book Collection Go here to browse all the books included in this sale. 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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Facts & Figures of Amazon lending and the Goldman Sachs X-factor

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Facts & Figures of Amazon lending and the Goldman Sachs X-factor
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*HOT* FREE $10 purchase at Chewy after cash back!!

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*HOT* FREE $10 purchase at Chewy after cash back!!
This post may contain affiliate links. Read my disclosure policy here. Calling all pet owners! This is a RARE deal that TopCashBack is offering right now! You’ll get a $10 purchase at Chewy for FREE after rebate! Are you a pet owner? You won’t want to miss this RARE offer from TopCashBack!! TopCashBack is offering $10 cash back on ANY $10 purchase at Chewy, making it FREE! Here’s how to get your FREE $10 Chewy purchase: 1. Head here for the special Chewy offer and sign up for a new Top Cash Back account. 2. Make a purchase valued at $10 or higher. 3. Within 21 days, your TopCashBack account will be credited with $10 — enough to cover your purchase! 4. After you receive the $10 payment in your Top Cash Back account, you can choose to transfer it to your bank account or request a Paypal payment. This is for new Top Cash Back members only. If you are already a member, you are allowed to sign up another adult in your household. This deal is valid through February 27, 2020. [...]
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Huge Savings on Succulents and Live Plants!

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Huge Savings on Succulents and Live Plants!
This post may contain affiliate links. Read my disclosure policy here. Today only, Amazon is offering huge savings on Succulents and Live Plants! Here are some deals you can score… Get this Pack of 20 Succulents for just $29.99 shipped! Get this Variety Pack Mini Succulents (6 count) for just $17.99! Get these Ionantha Hand Selected Variety Pack of Air Plants for just $11.99! Shop the Succulent and Live Plant sale here. Valid today only, February 7, 2020. 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 Ways to Get a Free Smartphone This Month

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5 Ways to Get a Free Smartphone This Month
This post comes from partner site WhistleOut.com. Get a free phone from your next mobile carrier! Sounds too good to be true, right? But it’s legitimate. One way that major mobile providers like AT&T, Verizon, Sprint and T-Mobile woo you to their plans is by offering free or discounted phones to customers who switch to them from another carrier. Sometimes existing customers can qualify... [...]
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Sign up for the FREE 21 Days of Leggings Challenge!

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Sign up for the FREE 21 Days of Leggings Challenge!
I know, I know. Leggings can be a bit controversial. Some people love them, some people loathe them. Personally, I’m in the loving leggings camp — especially in my pregnancy. Truth be told, I’ve worn almost nothing but leggings and tunic type tops for the last 3 months! (Some of you probably just fell out of your chair in shock that I would be so boring or casual all the time!) I’ve found lots of cute ways to dress them up and dress them down, depending upon the occasion. And I don’t even think most people have noticed that I’ve been living in them for three months. 🙂 If you love leggings, but you’re looking for some cute ways to wear them, you’ll want to sign up for the 21 Days of Leggings Challenge. It’s FREE to join and you’ll get a PDF with lots of stylish ways to put together outfits. I love the Outfit Formulas from Get Your Pretty On. And I especially love that this PDF of Outfit Formulas combines two of my favorite things: leggings and FREE! Go sign up for the FREE 21 Days of Leggings Challenge here. By the way, you don’t have to commit to the 21-day challenge if you sign up (unless you want to, of course). But I promise it will inspire you with some fresh new ideas of ways to wear one of the comfiest types of pants ever created! [...]
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Dominique Gazel-Anthoine: “Each closing is my most successful operation”

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Dominique Gazel-Anthoine: “Each closing is my most successful operation”
The post Dominique Gazel-Anthoine: “Each closing is my most successful operation” appeared first on ONEtoONE Corporate Finance. [...]
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iRobot Roomba 677 Wi-Fi Connected Robot Vacuum only $211.99 shipped (Reg. $400!)

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iRobot Roomba 677 Wi-Fi Connected Robot Vacuum only $211.99 shipped (Reg. $400!)
This post may contain affiliate links. Read my disclosure policy here. Wow! This is a great price on this highly rated iRobot Roomba 677 Wi-Fi Connected Robot Vacuum! You can get this iRobot Roomba 677 Wi-Fi Connected Robot Vacuum for just $211.99 shipped at Kohl’s right now! Here’s how: Buy Roomba 677 Vacuum – $329.99 (Reg. $399.99) Use code HOMEGOALS for $10 off $50 Use code TAKE15 for 15% off Get FREE shipping Pay $271.99 out of pocket, Get back $50 Kohl’s Cash + $10 Yes2You Rewards Like paying $211.99 shipped after codes, cash and rewards Thanks, ChaChingOnAShoestring! [...]
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YETI Rambler 18oz Bottle only $22.49, plus more!

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YETI Rambler 18oz Bottle only $22.49, plus more!
This post may contain affiliate links. Read my disclosure policy here. Love YETI products? Check out these hot deals on Amazon right now! If you love YETI, don’t miss these RARE discounts!! Amazon has this YETI Rambler 18oz Bottle for just $22.49 right now (regularly $29.99)! Choose from Navy, Black or Stainless. You can also get this YETI Rambler Vacuum Insulated Stainless Steel Colster for just $18.74 (regularly $29.99)! Choose from Black, Clay, Navy, Peak Purple, River Green, Seafoam or Silver. Or get this YETI Rambler 36 oz Vacuum Insulated Stainless Steel Bottle for just $37.49 shipped (regularly $49.99)! Choose from Black, Brick Red, Charcoal, Clay, Navy, Peak Purple, River Green, Seafoam, or Stainless Steel. 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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Get a FREE Target Baby Registry Gift Bag ($80+ value!)

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Get a FREE Target Baby Registry Gift Bag ($80+ value!)
If you are pregnant or adopting, you can get a FREE Target Baby Registry Gift Bag! I just got mine a few days ago and was so impressed with what was in it! Pregnant and adoptive mamas, don’t miss out on this really fantastic baby freebie! Get a FREE Target Baby Registry Gift Bag — full of coupons, samples, and freebies (an $80 value)! How to Get Your Free Target Baby Registry Gift Bag It’s so easy to get your free gift bag. Just go here and set up a free Target baby registry account. (Psst! You don’t even need to actually add things to your registry to qualify!) After you register, you’ll get a bar code you can print out and take to the customer service desk at your local Target to get your free Target Baby Registry Gift Bag. Note: My sister said you don’t even have to register. She said you can just go up to the customer service counter, tell them you are having a baby, and they’ll give you the gift sack. (If you’ve tried this and it worked for you, let us know!) What is in the Target Baby Registry Gift Bag I’m sure that the gift sacks vary some by store and by year, but here’s what was in my gift bag: Aveeno Baby Lotion sample Johnson’s Bath Wash sample Cocoa Butter Stretch Mark Cream sample Water Wipes Dr. Brown’s Natural Flow Bottle 2 Up & Up diaper samples (size 1) Aquaphor Baby sample Lansinoh Nursing Pad samples + Breastmilk Storage Bag samples Babyganics Lotion sample Avent Bottle Eucerin Eczema Relief sample NUK Pacifier Pampers Swaddler Diaper sample Honest Diaper & Wipe sample pack Also, you’ll get some great baby coupons to use at Target — my coupon book had a coupon for 50% off any drink at Starbucks! If you aren’t pregnant or adopting, but you know someone who is, be sure to share this post with them so they can get their free gift sack! Do you know of any other great baby freebies I should check out/sign up for? Let me know! [...]
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17 Amazon Finds Under $20 That Will Organize Your Life

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17 Amazon Finds Under $20 That Will Organize Your Life
A new year signals a fresh start, which means it’s the perfect time to get — and stay — organized. But first, you’re going to need a few low-cost tools. From the ultimate home organization manual to an annual planner with mass appeal, we’ve rounded up must-have products to help you get all your ducks in a row. Note that although the prices you see here will almost... [...]
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A Peek Into Our Week: Pregnancy update (week 26), bathroom redo, books, & romance

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

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FREE Month of Disney Plus after cash back! {HOT}
This post may contain affiliate links. Read my disclosure policy here. Looking for a way to get Disney Plus for FREE? Don’t miss this deal! If you’re excited about Disney Plus and you’re looking for a way to try it for free for a while, don’t miss this HOT deal! TopCashBack is offering new members $12.99 cash back on your purchase of one month of Disney+ right now, making it FREE! Here’s how to get your FREE month of Disney Plus: 1. Head here for the special Disney+ offer and sign up for a new Top Cash Back account. 2. Purchase a month of Disney Plus for $12.99. 3. Within 21 days, your TopCashBack account will be credited with $12.99 — enough to cover your purchase! 4. After you receive the $12.99 payment in your TopCashBack account, you can choose to transfer it to your bank account or request a Paypal payment. This is for new TopCashBack members only. If you are already a member, you are allowed to sign up another adult in your household. This deal is valid through February 3, 2020 — or while supplies last. [...]
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National Park Free Days: When to Plan Your Next Trip in 2020

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National Park Free Days: When to Plan Your Next Trip in 2020
If you’re already looking ahead to road trips or family vacations this year, here’s one way to do it on the cheap. While most of the 417 national parks in the U.S. are free to use anytime, 125 of them charge an entrance fee.  To encourage travelers and campers to visit new places, the National Park Service will waive these fees for five days in 2020: Jan. 20: Martin Luther King Jr. Day April 18: The first day of National Park Week August 25: National Park Service Birthday Sept. 26: National Public Lands Day Nov. 11: Veterans Day Some of the nation’s most popular parks are among those that normally charge a fee, making fee-free days an opportunity to see places like the Grand Canyon, Yosemite, Yellowstone, Death Valley and Crater Lake. Not the outdoorsy type? Even some national historic sites, like Vanderbilt Mansion in New York, are included. If you’re interested, you can find all participating parks by state or search through the full list of national parks, including those that are free anytime, to find one near you (or your next destination). Note: You may still encounter fees for things like camping, parking, reservations or concessions. The fees waived on fee-free days include entrance fees, commercial tour fees and transportation entrance fees. If you plan on camping, here are a few tips for camping on a budget. More Ways to Use National Parks for Free If you can’t make it to a national park on one of the fee-free days, you may be able to get free or discounted entrance to national parks year-round some other way. The National Parks Service offers an $80 annual pass that covers entrance to national parks, lands managed by the Bureau of Land Management and other sites. Military members can get the annual pass for free. Through the national Every Kid in the Park program, fourth-graders can get a free annual pass for their families. Educators can also get involved through this program, obtaining free passes to take students on a national park field trip. Seniors age 62 and older can buy a lifetime pass for $80 or an annual pass for $20. Senior passes require proper documentation and may be purchased in person at a federal recreation site, online or through the mail. People with disabilities can get a free pass in person, or through the mail or online with a $10 processing fee. Both the senior pass and the access pass offer a 50% discount on some amenities like camping, swimming, boat launching and specialized interpretive services. Volunteer with participating federal agencies for at least 250 hours, and you’ll receive a free volunteer pass that is valid for 12 months. If you want to learn while you travel, you can apply for an Artist-in-Residence program with the National Park Service and stay at a participating park for free while you work on your next project. However you do it, consider including national parks or historic sites in your 2018 travel plans. For families — and curious travelers of all ages — it’s a fun, educational and affordable way to spend a vacation. With more than 400 to choose from, there’s probably one not far from you! Dana Sitar (@danasitar) is a former branded content 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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Converse Chuck Taylor All Star High Tops & Low Tops only $25 shipped (Reg. $55!)

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Converse Chuck Taylor All Star High Tops & Low Tops only $25 shipped (Reg. $55!)
This post may contain affiliate links. Read my disclosure policy here. Love Converse? You can score them for just $25 shipped right now! Through January 15th, Converse is offering Converse Chuck Taylor All Star Seasonal Colors High Tops or Low Tops for only $25 when you use the promo code JAN25 at checkout! Even better, get free shipping when you create a Converse.com account (free to join). Here are some deal ideas: Chuck Taylor Unisex All Star Seasonal Colors as low as $39.97 (regularly $55) Use promo code JAN25 Shipping is free for Converse account members $25 shipped after code Chuck Taylor Unisex All Star Seasonal Color High Tops as low as $44.97 (regularly $55) Use promo code JAN25 Shipping is free for Converse account members $25 shipped after code Chuck Taylor Infant and Toddler Seasonal Color Easy-On Chuck Taylor All Star Low Tops as low as $29.97 (regularly $35) Use promo code JAN25 Shipping is free for Converse account members $25 shipped after code Valid through January 15, 2020. Thanks, Hip2Save! [...]
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American Eagle: Men & Women’s Parkas and Puffer Jackets only $29.99!

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American Eagle: Men & Women’s Parkas and Puffer Jackets only $29.99!
This post may contain affiliate links. Read my disclosure policy here. If you’re in the market for a new coat, American Eagle has Men’s and Women’s Parks and Puffer Jackets for a great price! American Eagle has Men’s and Women’s Parkas and Puffer Jackets for only $29.99 right now! No promo code needed. Get this AE Women’s Satin Parka for just $29.99 (regularly $149.95)! Get this AE Women’s Shiny Puffer Jacket for just $29.99 (regularly $89.95)! Get this AE Men’s All-Weather Parka for just $29.99 (regularly $149.95)! Get this Men’s AE Elevated Puffer Jacket for just $29.99 (regularly $149.95)! Get this Women’s AE Long Puffer Jacket for just $29.99 (regularly $129.95)! Shop all the jackets here. Get free 2-day shipping on orders of $25+ with ShopRunner (sign up here for free)! Thanks, Hip2Save! [...]
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Ulta: Jumbo Size Hair Care Products as low as $12.49 each (Matrix, Paul Mitchell, Redken, and more!)

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Ulta: Jumbo Size Hair Care Products as low as $12.49 each (Matrix, Paul Mitchell, Redken, and more!)
This post may contain affiliate links. Read my disclosure policy here. Wow! This is a great time to stock up on hair care products including brands like Matrix, Paul Mitchell, Redken and more! Right now, Ulta is hosting their Jumbo Shampoo & Conditioner Sale Event both in-store and online including brands like Matrix Biolage, Paul Mitchell, Redken and more! Plus, you can save $3.50 off a $15+ order when you use the promo code 713039 at checkout! And for every jumbo hair care item you purchase, you can grab a liter pump for just $1 (regularly $3) – price will automatically adjust at checkout. Limit 4 per transaction. Check out these deal ideas… Paul Mitchell Tea Tree Special Shampoo or Conditioner 33.8 oz – $19.99 (regularly $34) Use promo code 713039 ($3.50 off $15+ purchase) $16.49 after code Or you can get this for $19.99 on Amazon. Paul Mitchell Lemon Sage Thickening Shampoo or Conditioner – $19.99 (regularly $37) Use promo code 713039 ($3.50 off $15+ purchase) $16.49 after code Or you can get this for $19.99 on Amazon. Redken All Soft Shampoo 33.8oz – $19.99 (regularly $36.50) Use promo code 713039 ($3.50 off $15+ purchase) $16.49 after code Redken All Soft Conditioner 33.8oz – $15.99 (regularly $33.50) Use promo code 713039 ($3.50 off $15+ purchase) $12.49 after code Matrix Biolage Volumebloom Shampoo or Conditioner 33.8 oz – $15.99 (regularly $28) Use promo code 713039 ($3.50 off $15+ purchase) $12.49 after code Or you can get this for $15.99 on Amazon. Matrix Biolage Colorlast Shampoo or Conditioner 33.8 oz – $15.99 (regularly $30) Use promo code 713039 ($3.50 off $15+ purchase) $12.49 after code Or you can get this for $15.99 on Amazon. Bedhead Urban Antidotes Recovery Shampoo 50.7oz or Conditioner – $19.99 (regularly $33.99) Use promo code 713039 ($3.50 off $15+ purchase) $16.49 after code Choose free in-store pickup to avoid shipping costs. Thanks, Hip2Save! [...]
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How to Organize Your Finances in 6 Simple Steps

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How to Organize Your Finances in 6 Simple Steps
Not all of us are born to be organizational wizards, but if you want to get ahead with your money, you’ve got to get it under your control. It’s the only way you’ll get any of the big stuff done, such as paying off debt, taking a real vacation, buying a house or saving for retirement. We get it, though. Not all of us keep everything neatly filed, color-coded, alphabetized and prioritized. And you don’t have to be. Here are seven things you can do — in seven days — to get your finances under control: Day 1: Make a Budget That Works for YOU Creating a budget is one of the best ways to organize  your finances, but it’s important to set up a budget that’s a fit for you. How else will you stick to it? One of our favorite budgeting methods is the 50/20/30 method. It’s one of the most straightforward budgeting strategies, and it offers a lot of flexibility. Here’s how it works: 50% of your income goes toward essentials. 20% goes toward financial goals. 30% goes toward personal spending. Once you get the hang of it, you can tweak the ratios to fit your specific situation. Some people like to put more toward their savings, while others need a bit more for expenses. Take some time to find what works best for you and your goals. Day 2:  Ask This Website to Pay Your Credit Card Bill This Month If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…  And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But a website called AmOne wants to help. If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances. The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.99% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month. AmOne won’t make you stand in line or call your bank, either. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could help you pay off your debt years faster. Day 3: Add up to 300 Points to Your Credit Score When it comes to your credit score, it’s important to stay organized and keep tabs on it. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.  So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame. Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one). James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.* “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said. Want to check for yourself? It’s free and only takes about 90 seconds to sign up. Day 4: Secure Up to $1 Million in Life Insurance; Rates Start at $5/Month Have you thought about how your family would manage without your income after you’re gone? How they’ll pay the bills? Send the kids through school? It’s easy to procrastinate, but now’s a good time to start planning for the future by securing a life insurance policy. You’re probably thinking: I don’t have the time or money for that. But your application shouldn’t take more than about five minutes — and you could leave your family $1 million with a company called Bestow. Rates start at just $5 a month, and you can change or cancel your plan at any time. Plus, the security of knowing your family is taken care of is priceless. If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam, pushy sales calls or even getting up from the couch, get a free quote from Bestow. Day 5: Cancel Your Car Insurance Chances are, you know it’s entirely possible to find a better deal on some of your pesky monthly bills but what a hassle. Here’s an easy one to start with, though: Car insurance. You should be shopping your options every six months or so. It could save you some serious money. A company called The Zebra will do this for you. It makes it super easy to compare car insurance prices for the same exact coverage you already have. Plus, it makes canceling your current can insurance and switching plans a breeze. Take Lourdes Robles-Velazquez, for example. The single mom lives on a tight budget. She was paying $205 a month to insure two Toyota Priuses — hers and her daughter’s. By using comparing prices, she knocked $80 off her monthly car insurance bill. That’s nearly $1,000 in savings per year. The Zebra says it saves its users up to $670 a year. Wondering how much you could save? Head over to The Zebra, and link up your current insurance account (this is how it gets you that apples-to-apples comparison). Then, browse your options. It takes all of two minutes. Day 6: Have a Huge Bonfire You’ve probably got a bunch of boxes and folders filled with financial paperwork you don’t need anymore. Scan all of those docs, and save them in a secure file on your computer (this is important — you need these!). Then, eliminate all the physical and mental clutter… with a bonfire. It will feel good to burn those superfluous stacks, and you can also use it as an excuse for a fun get-together with your friends. Once you’re done, say goodbye to extra paper, and sign up for electronic statements on all your accounts to keep your life tidy and organized in the future. Day 7: Get Up to $500 in Free Stock If you feel like you don’t have enough money to start investing, you’re not alone. But guess what? You really don’t need that much — and you can even get free stocks (worth up to $500!) if you know where to look. Whether you’re got $5, $100 or $800 to spare, you can start investing with Robinhood. Yeah, you’ve probably heard of Robinhood. Both investing beginners and pros love it because it doesn’t charge commission fees, and you can buy and sell stocks for free — no limits. Plus, it’s super easy to use. What’s best? When you download the app and fund your account (it takes no more than a few minutes), Robinhood drops a share of free stock into your account. It’s random, though, so that stock could be worth anywhere from $5 to $500 — a nice boost to help you build your investments. *Like Buitureria, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days. Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits. Mike Brassfield (mike@thepennyhoarder.com) 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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Use a Five Dollar Challenge to Easily Grow Your Savings

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Use a Five Dollar Challenge to Easily Grow Your Savings
Here at The Penny Hoarder, we kind of have a thing for Abe Lincoln.  His face is profiled on our favorite coin after all. But as much as we love our pennies, we also like seeing Lincoln’s bearded mug on the front of the $5 bill. Because saving $5 bills is much more lucrative than hoarding pennies after all. How to Save Money With the Five Dollar Challenge The five dollar challenge is a simple money-saving strategy — one that doesn’t involve much thought or effort. You don’t have to do any math. You don’t have to review your past spending to figure out where to cut back. All this challenge requires is for you to stash away every $5 bill you get as change. That’s it. If you’re paying for something and the cashier hands you back a bill with Lincoln’s solemn face, don’t use it to buy coffee or a cheap lunch from the drive thru. You’ve got to commit that $5 bill to your savings. Depending on how long you participate in the challenge, you could end up banking a lot of cash. Five dollar bills can add up quickly. Just putting aside two $5 bills a week will give you $520 in savings after a year. And since the amount is fairly nominal, your savings can grow without even missing your $5 bills. Where to Keep Your Money Separating all your $5 bills from the rest of your spending money is key to succeeding in this challenge. Many folks who participate in the $5 challenge stash their cash in jars, envelopes or shoe boxes. You can keep a running count of your balance or just wait until the end of your challenge to be surprised by the total. If you don’t feel like keeping all that cash at home though, you can make weekly deposits into a savings account. Your savings will be insured, you’ll distance yourself from your stash and you can even earn interest — especially if you have a high-yield savings account. FROM THE SAVE MONEY FORUM Auto Ins based on usage 1/4/20 @ 10:15 AM K Saving for and with grandchildren 12/23/19 @ 6:52 PM M Super Easy Tips for Saving $1000 or More in 2020 12/31/19 @ 5:14 AM What kind of store bought pizza is almost or as good as pizza chains? 12/27/19 @ 9:06 PM M See more in Save Money or ask a money question Participating in the Challenge When You Don’t Use Cash If you’re used to swiping your debit card everywhere you go, that doesn’t mean the five dollar challenge isn’t for you. You’ll just have to do a little extra work. When you make a purchase, think about what change you would have received if you paid in cash. For example, if your Target run totals to $84.25, you’d likely get a $5 bill, a $10 bill and 75 cents back if you paid with a $100 bill. Before you pull out of the parking lot, log onto your online banking account to transfer $5 to your savings. To make it simpler, you could resolve to transfer $5 to your savings account every time you swipe your card. Or you could be more selective and only add $5 to your account when you make a specific purchase, like filling up your gas tank. Another option is to, well, make the switch to using cash — but do it just for your fun money expenditures. Stick with swiping your card to get groceries or stock up on toiletries, but pay with cash when you go to the movies or to the bar. Any $5 bill you receive in change goes — you guessed it — straight to your savings. Customizing the Five Dollar Challenge If squirreling away $5 bills doesn’t work for you, you can modify your money-saving endeavor while still sticking to the basic premise of the challenge. Save all the coins you get as change. (Piggy banks aren’t just for kids, you know.) Or you could put aside all the $1 bills you receive. Pro Tip Go digital with your challenge by using a micro-savings app. Here are a few of our favorite apps that help you save money little by little. However, going with a smaller denomination of money doesn’t mean you’ll be saving less. If you get several $1 bills back in change more often than you get $5 bills, you could end up saving more. Have a Goal for Your Savings Whether you plan to stick with this savings challenge for a couple months or the whole year, it’s good to have a plan for what you’ll do with the money you save. You could afford something nice for yourself, like taking a much-needed vacation or buying something on your personal wish list. Or you could use the money for something that reflects your financial goals, like making a nice dent in your student loan or credit card balance. However you decide to use your savings, having an end-goal in mind can keep you motivated to stay consistent — and to not dig into your stockpile before the challenge ends. 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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Decluttering Our Home (before and after pictures)

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Decluttering Our Home (before and after pictures)
Need some motivation to declutter your home? We’ve been working on decluttering our home this week and I wanted to share the progress we’ve been making: As I shared in my Weekly Goals post, this week, my goal was to declutter the house from top to bottom. I decided to focus on the biggest problem areas in our home for this week — namely the storage room, the Master Bedroom closet, the library, my bedside drawers, and my purse. The Storage Room I’m pretty embarrassed to show you these photos because this room has been neglected for so incredibly long. In fact, when we moved to this house — almost two years ago — we never unpacked or organized a lot of the boxes in here. We just stuck stuff in here and I hoped to eventually get to it. Obviously, it took quite awhile to get around to that “eventually” plan! There were hundreds and hundreds of school papers in here. I didn’t want to throw anything out  since this was theirs… so since they were on Christmas break, this was the perfect time to tackle the boxes of school papers. They pared them down to a few small tubs and recycled a TON of old papers! In the process, they loved getting to look back on how far they have come academically in the last few years! Jesse also went through a lot of his old law firm stuff and so many different old tech things. He ended up finding quite a few things he had forgotten we had or that he had wanted to find — including one item he’d been looking for for 4 years! The three pictures above show the final results. It took hours of work, but it was SO worth it! Our Master Bedroom Closet So our closet wasn’t near at all as messy as the storage room, but it still needed quite a bit of TLC. Both Jesse and I got rid of quite a few clothes, we pared down some other things, we moved some items to other parts of the house where they really belong, and we cleared out a space for the baby’s stuff. (We’re planning to have the baby sleep in our room for at least the first few months, probably longer. So I wanted to have the three drawers on my side of the closet plus some of the shelves available for the baby things.) I couldn’t believe how much stuff Jesse got rid of — including shirts that he’d had for 8-10 years!! My Bedside Drawers Next up, my bedside drawers. This has become a catchall for all sorts of random odds and ends. (Can you believe all of that was in there! Yikes!!) I thought about what I actually want to keep in my bedside table and couldn’t come up with much when it really came down to it! So here’s what it looks like now! The Library Okay, so the before and after pictures of the library aren’t as impressive, but this was a BIG project that I’ve been wanting to tackle for months. I finally took all of the books off the shelves and re-organized them in a really systematic way. And now we know where to put new books when they come in and where to re-shelf books when we put them back! It feels so amazing to have a system!! My Purse And last but not least, I went through my purse. I started by dumping all the contents out — yep, ALL of that was in my purse! Then, I threw out a lot of stuff, put some other things that didn’t belong in my purse away, and only put back what I really want and need in my purse. Now, every time I go to take my purse with me somewhere, it makes me smile to see how clean and organized it is! Let’s see if I can keep it this way! Did you do any decluttering this week? P.S. I love my purse! A number of people reached out via messages and asked where I got it. It’s from Amazon and it’s around $35-$37 there. I use it pretty much every day and have had it for almost a year. Other than a little wear and tear on the strap, it’s held up really well! Here’s the link to it. [...]
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3 FREE Things You Can Do This Weekend to Change Your Year

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3 FREE Things You Can Do This Weekend to Change Your Year
Want to set yourself up for success in 2020? Here are three things you can do this weekend to have a happier, healthier, and more joy-filled new year! Best of all, these are all free! It’s the first weekend of 2020! And it’s the perfect time to be intentional and strategic to set yourself up for success and peace this year! I’ve got three suggestions of things to do this weekend to help you have a better year… 1. Do a Budget Audit The new year is a great time to sit down with your budget and really analyze every penny you spend. If you are married and share the budget with someone else, be sure to do this as a joint audit! (Here’s a post on How to Have a Budget Meeting.) As you go through each budget category, ask yourself: Do we need to spend this? Is this budget category still serving us well? Is there a way we could decrease this expense category? Do we need to tweak this category at all? Jesse and I use the YNAB software to track our personal and business expenses. We love it and highly recommend it. It especially makes it easy to see all your expenses and income at a glance so you can easily do a budget audit together. Note: If you don’t have a zero-based budget in place, this weekend is the perfect weekend to set one up! I highly recommend reading The Total Money Makeover to help with this (your library should have it!). But for this weekend, you can start with this article on How to Make a Zero-Based Budget. 2. Declutter Your Space What areas of your home are particularly cluttered or disorganized right now? This weekend would be a great time to spend some clearing out the clutter and making more breathing room in your home. (Need some motivation on what you should declutter? Check out my post on 5 Questions to Ask Yourself About Clutter.) We’ve been working hard at decluttering our home from top to bottom this past week. We’ve been amazed at how much happier and simpler our life feels now that our closet and storage room and library are pared down and much more organized (pictures coming tomorrow to share the progress we’ve made this week! By the way, I highly recommend that you go ahead and get rid of what you declutter. Go drop it off at a donation center this weekend. No need to lug it around in the back of your car for weeks. Or worse, to have it sit by your back door for the next two months! While you’re decluttering your home, think of other areas you might need to declutter: Can you delete some emails from your inbox? Should you unsubscribe from email lists that are no longer serving you? What about Instagram accounts or Facebook Groups that aren’t bringing joy and life to your life? 3. Downsize Your Commitments Don’t just do a budget audit or declutter your home, if you want to have a great year, it’s time to take a hard look at your calendar and commitments and see if any of them need to be pared down, too. Look at your calendar for January. Does it feel overwhelming or doable? Does it feel life-giving or life-draining? Now take a hard look at the rest of the year and see how it feels. Are there weekly commitments you have that are sucking the life out of you? Are you doing anything just because you feel you have to or because you feel obligated to do so? Could you cut back, tweak, delegate, ask for some help, lower some expectations, or just say no to something (or many somethings) for 2020? There’s no point in running yourself ragged and not having any time to breathe and love the life and people right in front of you! There you have it. Three FREE things you can do this weekend to set yourself up for success this year! I challenge you to pick one (or ALL!) of these things and commit to making it happen this weekend. If you plan to do so, leave a comment below and let me know. Not only will it provide a little extra accountability for you, but I’d love to cheer you on in your endeavors! photo credit; credit; photo credit [...]
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Get interactive 2020 Organizing and Goals Diaries for just $9 total!!

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Get interactive 2020 Organizing and Goals Diaries for just $9 total!!
This post may contain affiliate links. Read my disclosure policy here. Get Organized Gal is running a BIG sale on their 2020 Diaries right now! You can get both the Organize in 5 Diary and the Priorities and Goals Diary for just $9 total! That’s a $20 savings!! Both of these diaries are interactive — meaning you can type in them, save them, and print them with your information filled out. The Organize In 5 Diary is an interactive diary with a 5-minute decluttering, simplifying, or organizing task for every day of the year. Each day, you read your Organize In 5 task. The action is described in simple steps — easy and achievable. The daily tasks cover home, work, closet, computer, health, finances, time management, relationships, family, and even relaxation. Next, set the timer and go. Just 5 minutes and you’re done! The Goals & Priorities Diary is a structured diary for advancing your goals and getting your most important tasks done every day. Each day you’re guided to focus on the things that matter most — freeing you from overwhelm while allowing you to make progress on goals. The structure leads you to set yearly and monthly goals, then to translate those goals into daily tasks. Every day you’re prompted to identify your top three priorities and do these first. It’s a systematic, stress-free way to advance your goals. Go here to get both diaries for just $9 total! [...]
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This Money-Saving Challenge Starts With Just a Single Penny

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This Money-Saving Challenge Starts With Just a Single Penny
What difference can saving your pennies make? A lot, it turns out, if you’re doing the penny challenge. This money-saving challenge helps you put aside $667.95 in a year — or $671.61 in a leap year. To participate in the challenge, follow these steps: Start by saving one penny on the first day. Each day that follows, add one cent to the amount you saved the day before. For example, on day two, you’d add $0.02 to your savings. On day three, you’d add $0.03 and so on. Continue this pattern every day for an entire year. Now, please note: You’re not simply saving one penny a day. If you did that, you’d wind up with only $3.65 in savings at the end of the year (or $3.66 in a leap year). Pretty pointless. The key to growing your savings with this challenge is adding an additional penny to what you’re depositing each day, not to your total savings. So on day two, your total will be $0.03 because you’re adding $0.02 to the penny from the first day. On day three, you’ll have a total of $0.06 after making your daily savings deposit. Here’s how much you’d deposit each day — along with your savings balance — for the first week of the penny challenge: Day Daily Savings Balance 1 $0.01 $0.01 2 $0.02 $0.03 3 $0.03 $0.06 4 $0.04 $0.10 5 $0.05 $0.15 6 $0.06 $0.21 7 $0.07 $0.28 You’re starting out with super small amounts, but your money will grow over the course of the year. And because the daily saving amounts are nominal, you don’t have to stress about needing a bunch of money to build your savings.  On day 365 of the challenge, your daily deposit will be $3.65, but you’ll end up with a total of $667.95. (Trust us, we did the math.) That’s $667.95 you could add to your emergency fund or use to pay down debt. It’s money you could put toward a vacation or a shopping spree. Having a plan for how you’d like to use your savings can be a great motivation for sticking with this challenge all year long. FROM THE SAVE MONEY FORUM Super Easy Tips for Saving $1000 or More in 2020 12/31/19 @ 5:14 AM What kind of store bought pizza is almost or as good as pizza chains? 12/27/19 @ 9:06 PM M Saving for and with grandchildren 12/23/19 @ 6:52 PM M What has been your money epiphany? 2/22/19 @ 10:59 AM See more in Save Money or ask a money question Tackling the Penny Challenge by the Week While it’s easy to find enough spare change to get this challenge started, it gets progressively difficult as the days and weeks pass — especially if most of your financial transactions are cashless. Grouping your daily savings into weeks and transferring them from your checking account to your savings account can help streamline things.  Here’s how much you’d need to add to your savings each week, along with a running total of your balance’s growth: Week Weekly Savings Balance 1 $0.28 $0.28 2 $0.77 $1.05 3 $1.26 $2.31 4 $1.75 $4.06 5 $2.24 $6.30 6 $2.73 $9.03 7 $3.22 $12.25 8 $3.71 $15.96 9 $4.20 $20.16 10 $4.69 $24.85 11 $5.18 $30.03 12 $5.67 $35.70 13 $6.16 $41.86 14 $6.65 $48.51 15 $7.14 $55.65 16 $7.63 $63.28 17 $8.12 $71.40 18 $8.61 $80.01 19 $9.10 $89.11 20 $9.59 $98.70 21 $10.08 $108.78 22 $10.57 $119.35 23 $11.06 $130.41 24 $11.55 $141.96 25 $12.04 $154.00 26 $12.53 $166.53 27 $13.02 $179.55 28 $13.51 $193.06 29 $14.00 $207.06 30 $14.49 $221.55 31 $14.98 $236.53 32 $15.47 $252.00 33 $15.96 $267.96 34 $16.45 $284.41 35 $16.94 $301.35 36 $17.43 $318.78 37 $17.92 $336.70 38 $18.41 $355.11 39 $18.90 $374.01 40 $19.39 $393.40 41 $19.88 $413.28 42 $20.37 $433.65 43 $20.86 $454.51 44 $21.35 $475.86 45 $21.84 $497.70 46 $22.33 $520.03 47 $22.82 $542.85 48 $23.31 $566.16 49 $23.80 $589.96 50 $24.29 $614.25 51 $24.78 $639.03 52 $28.92 $667.95 If you’re doing this challenge in a leap year (hint: 2020 is one), add an additional $3.66 to your savings in the last week to end up with a total of $671.61 for the year. Using weekly balance transfers makes this challenge a more realistic feat than trying to find the right amount of spare change each day. Schedule automatic transfers from your checking to your savings account to make it even simpler to save.  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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If You Live in Maine, Here’s an Easy Way to Get a Free $25 Amazon Gift Card

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If You Live in Maine, Here’s an Easy Way to Get a Free $25 Amazon Gift Card
Who couldn’t use an Amazon gift card? I mean, seriously, you can get everything on there.  Get this: A company called Arcadia Power is handing out a free $25 Amazon gift card when you try out its free service. (It’ll help relieve some of your guilt about that lamp you decided you needed.) How to Get a Free $25 Amazon Gift Card in 2 Minutes (Seriously!) Energy-saving company Arcadia Power wants to help Maine residents use cleaner energy and save money on their electric bills. All you have to do is connect your utility account, and Arcadia will tell you if it can lower your electric bill. Financial services worker Rebecca Rindler signed up for Arcadia Power. She didn’t think much of it then, but about three months later, she got an email from Arcadia that it found her a better deal. “Basically, I did nothing,” she says. She estimates she saved $120 on her electric bill in a year. Even better? Right now, when you activate your free account, Arcadia Power will send you a free $25 Amazon gift card. Hello, Wish List.   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 Top 10 Books I Read in 2019

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The Top 10 Books I Read in 2019
This post may contain affiliate links. Read my disclosure policy here. Want to know what my Top Favorite Books were that I read in 2019? In this post, I share my Top 10 Favorite Books from 2019. I set a goal to finish 80 books in 2019 and a second goal that 40 of those books would be books I already own. I ended up only finishing 65 books and reading 20 books I already owned. But I read and listened to some great books, so I’m going to call that a win — even if I fell short of my goal! This was my first year to use GoodReads to track my reading. You all were right! It is really motivational to see my progress and to have a one-stop place to see all the books I read + my star rating of them. Of the 65 books I read in 2019, I picked 10 favorites. These were the 10 that impacted me the most, that I enjoyed the most, that resonated with me deeply, and/or are the ones that I will carry lessons from for years to come. #1: Deep Work This book is actually one I had planned to read in 2018, but I’m really glad I saved it for the beginning of 2019 because it was the perfect book to kick off the year. Deep Work is a little more scholarly than most books I read, but I’m so happy I stuck with it because it really challenged me to think of how I’m approaching life and work and whether I’m investing time every day in what the author refers to as “deep work” — that kind of work that is meaningful and really makes a difference. In this book, Cal Newport encourages you to have periods every day where you are completely offline and not distracted by all of the hustle and bustle of life to allow for this “deep work”. If you struggle to focus or get things done, if you wish you could be more structured in your day, or you’d like to look back on your week and guarantee that you devoted time to work that matters, I’d definitely recommend reading Deep Work. Note: I was privileged to have Cal Newport on my podcast. You can hear our interview here. #2: Eat Cake, Be Brave I listened to this book on the Libby app for free and I loved hearing this in the author’s voice. I felt like it made the book come alive and seem so much more authentic. The author, Melissa Radke, has gone through so much in her life from weight struggles, to infertility, to infidelity, to losing a child, to rejection. And almost all women will be able to relate in some way to her story and her bravery will inspired you. I found myself want to jump up and down and yell “preach it” as I was listening… and I’m not even a very charismatic sort of person. I loved the book so much that I ended up buying a copy from Amazon after I finished listening to it since I wanted to have it in my library so I could re-read parts of it and loan it out to others. Note: I was honored to have Melissa Radke on my podcast. You can listen to our interview here. #3: Sacred Ground, Sticky Floors I picked up this book on the recommendation of a blog reader. And then I put it on my list of 40 books I plan to read — and so many of you commented and said I MUST read it right away so I bumped it to the top of the list. The subtitle for the book is How Less Than Perfect Parents Can Raise (Kind of) Great Kids. I love that… because it feels like it’s actually doable and not like a book that is going to make me feel like I’m just not measuring up as a mom. Jami’s humor and candidness in this book was a breathe of fresh air to me. Her writing is so down-to-earth, so raw, and so real. She makes you feel less alone, but she also does such a good job of pointing you to Jesus and encouraging you to lean in and love your kids — even when it’s really hard. If you are looking for a parenting book that isn’t about formulas or perfection and doesn’t make you feel like you need to overhaul your schedule and life and chore charts in order to be a better mom, definitely check out Sacred Ground, Sticky Floors. This book reads more like a memoir, but it’s packed with powerful truths, too. Note: I loved getting to have Jami Amerine on my podcast. You can listen to our interview here.  #4: Killing Lincoln If you’ve listened to The Crystal Paine Show this past year, you know that Jesse and I both really enjoyed this book this past year. (Jesse read it first and his review of it on the podcast intrigued me! So I ended up downloading it on Libby.) While I thought I was pretty familiar with the Lincoln assassination, this book brings history to life. I learned so many intriguing details that I never knew before. Plus, having more historical context made the story so much more compelling. From what I could tell, it was very well-researched and historically accurate. I appreciated that it didn’t seem politically motivated/biased but just very facts-based. If you enjoy history, this is a must-read/must-listen. A big thank you to Jesse for inspiring me to listen to this one! #5: Killing Kennedy After listening to Killing Lincoln and really finding it fascinating, I added this one to my list to listen to it (I got it free from the Libby app.) It was really good, as well, and I learned so many details of history that I didn’t know. I will say that it did have some details that were definitely not appropriate for young ears. (Jesse and I were listening to it while on a road trip and had to turn it off since the kids were in the car!) As I said with Killing Lincoln, “I learned so many intriguing details that I never knew before. Plus, having more historical context made the story so much more compelling. From what I could tell, it was very well-researched and historically accurate. I appreciated that it didn’t seem politically motivated/biased but just very facts-based. If you enjoy history, this is a must-read/must-listen.” #6: Before We Were Yours This was one of those books that I couldn’t stop talking about. Many of you told me you thought I should read it as soon as possible and you were so right. It’s the tragic and true story of the Tennessee Children’s Home scandals and how they played out in the lives of the children who actually went through this horrific experience. Truth be told, I had never heard of the Tennessee Children’s Home scandals before listening to this book — and I live in Tennessee! I have asked multiple people who live here and they haven’t heard of it either. It’s heart-wrenching and horrible and I think a powerful reminder of how money can cause people to make terrible decisions that can hurt people in devastating ways. The book is well-written and engaging and appears to be very well-researched historical fiction. It is also the beautiful story of sibling love and how trauma and devastation doesn’t have to define your future. Note: There are a lot of situations in the book when it comes to abuse that could be very triggering to people, depending upon your life experience and trauma. The book doesn’t give nitty-gritty details, but it’s enough that it could be very triggering. #7: The Guernsey Literary and Potato Peel Society I read this book a number of years ago and loved it. Then, I watched the Netflix movie they did based upon the book. Well, after watching the movie and enjoying it, I realized I couldn’t remember enough about the book to compare the movie and the book. So, in an uncharacteristic move, I decided to read the book again. Only this time, I listened to it (thanks to getting the audiobook for free from the Libby app). I loved that the audiobook is narrated by multiple voices. It’s so well done. And I ultimately decided that the book is great, the movie is good, and the audiobook is very well done. So I highly recommend all three. By the way, this novel is written entirely in the form of letters and telegrams. Considering that this book and Dear Mr. Knightley are two of my top favorite books and both are written in letter form, apparently I’m a big fan of that style of writing! #8: Everybody, A [...]
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These 9 Free TV Apps Let You Watch Your Favorite Shows — Without the Bill

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These 9 Free TV Apps Let You Watch Your Favorite Shows — Without the Bill
As cable subscription prices rise higher and higher and customer satisfaction ratings dive lower and lower, cutting the cable has never been more popular.  Sure, there are the usual big names in streaming services available for a monthly fee, but it’s possible to kick subscription fees entirely. Luckily, there are more options than ever for replacing your traditional cable setup.  Many free streaming services have stepped up to offer access to content overlooked by subscription-based services.  Of course, there are some rather shady options out there that stream pirated content. But there are plenty of free, legal streaming apps that provide no-strings-attached cable cutting solutions. 9 Free TV Apps That Will Help You Cut Cable Check out these free TV apps that will help you cut the cord but still let you enjoy your favorite TV shows. 1. Crackle Crackle is one of the go-to names not just in free streaming but in streaming video in general. The cost-free service has a variety of content, ranging from classics like “Bewitched” and “All in the Family,” as well as the newer “Snatch” series. It also has hundreds of films from major studios.  For a free streaming service, Crackle’s library is truly impressive. Crackle even has a handful of original series to its name. Best of all, Crackle works on nearly all mobile devices, streaming boxes, and smart TVs. 2. Tubi TV Tubi TV has deals with major studios like Paramount Pictures, Metro-Goldwyn-Mayer (MGM) and Lionsgate. It also features lots of foreign and independent productions.  Tubi TV’s library is updated regularly, and the service claims to add new content every week. The Tubi TV app works on Android and iOS devices, Roku, Apple TV, Xbox, Samsung Smart TVs and Amazon Fire TV. To be honest, when I first heard of Tubi TV, I was skeptical because I always viewed apps like it as having the movies no one wanted to see. However, I was pleasantly surprised — the library is solid. Since the service is ad-supported, you can expect to watch a couple minutes of ads every ten minutes or so. The experience is pretty similar to watching normal television.  3. Pluto TV Pluto TV stands out in the free streaming crowd in that the service offers channels of linear content much like a cable package. There are dozens of movie channels, sports channels, news — and even some highly curated streams of niche content.  Pluto TV boasts a large list of supported devices including iOS and Android devices, Amazon Fire TV, Roku, Apple TVand Chromecast devices and Android TV.  Like Tubi TV, Pluto TV has advertisements. It’s pretty similar to the ad load of normal TV.  4. NewsON Streaming video isn’t always just about entertainment. For the more serious-minded cord-cutters out there, the NewsON app provides hundreds of local and national news streams.  Both live and on-demand news broadcasts can be streamed from over 275 local news affiliates in 160 markets. The broadcasts are available for up to 48 hours after they air.  Users can then select which news segments they want to watch from categories like sports, weather or entertainment. NewsON is compatible with iOS and Android phones and tablets, as well as Roku. I find NewsOn particularly useful when I don’t want to deal with hooking up an antenna. As far as local programming is concerned, the news is really all I need.   FROM THE SAVE MONEY FORUM What kind of store bought pizza is almost or as good as pizza chains? 12/27/19 @ 9:06 PM M Saving for and with grandchildren 12/23/19 @ 6:52 PM M What has been your money epiphany? 2/22/19 @ 10:59 AM Saving money 2/8/19 @ 6:59 AM M See more in Save Money or ask a money question 5. Funny Or Die Funny or Die is without a doubt the go-to streaming app for comedy programming. Founded in 2007 by contemporary comedy giants Will Ferrell and Adam McKay, it has since grown to be a full-blown production house featuring original content from some of the biggest names in show business. It also has syndicated content In 2018, the platform began publishing on Vox Media’s Chorus and now uses the YouTube Player. Content on the app must be streamed and cannot be downloaded.  As for my personal experience, I’ve honestly spent quite a bit of time laughing my butt off at the videos. Funny or Die is easy to use and great for finding new hilarious content. 6. PBS Kids Kids need free streaming content, too. Luckily, PBS has a PBS Kids Video app that provides hundreds of hours of educational and enriching content just for the youngest members of any family. The app has a colorful, child-friendly interface, which makes it easy for kids to take control themselves.  Videos from many of PBS’s most popular series are available for streaming including “Curious George,” “The Cat in the Hat Knows a Lot About That” and “Sesame Street.” The PBS Kids app is supported for Android, Windows and iOS phones and tablets.   7. Crunchyroll Anime and manga fans are likely already familiar with Crunchyroll. The sushi-inspired name stems from the fact that Crunchyroll specializes in mostly Japanese content, but it also features films and series from all over the world. Crunchyroll boasts a library of thousands of anime films and series, many of which are hard to find on other streaming services.  There is a paid premium feature, but the free Crunchyroll service has thousands of hours of popular series like the “Dragon Ball” franchise, “Attack on Titan,” “Naruto” and “One Piece.” The Crunchyroll app is supported by Apple, Android and Windows mobile devices, as well as by gaming consoles, Chromecast, Apple TV and Roku.  Crunchyroll is a great app for anyone with an interest in anime. Of course, when it comes to anime content, you have to be watchful with your younger children, as a lot of it is geared towards teens (and sometimes even adults).  8. Twitch For anyone with even a passing interest in gaming and esports, Twitch is the go-to free streaming service.  Twitch hosts user-created channels and streams focused on video games and other esports. It features a built-in chat feature, so users can chat with other streamers in real time.  While there are thousands of free streams, Twitch also features premium features for a monthly subscription. Twitch apps are compatible with PCs, iOS and Android devices, game consoles, Chromecast and Fire TV. While Twitch is popular with children, parents should beware: Twitch streams are somewhat unregulated and can sometimes contain adult language or content. 9. YouTube Yes, YouTube. No list of cost-free streaming video services would be complete without it. YouTube apps are compatible with just about every device out there that has a screen, and the service features videos to choose from on nearly any topic imaginable.  Most of those videos are not exactly premium content, but there are still plenty of full-length films, documentary series and curated channels that provide cost-free entertainment for the whole family.  While there are ways to download YouTube content for offline viewing, proceed with caution: Many of these sites and apps are full of malware. With so many free streaming options out there, it’s easier than ever to cut the cord an [...]
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How I Earned 112 Swagbucks Today (in just a few minutes!)

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How I Earned 112 Swagbucks Today (in just a few minutes!)
This post may contain affiliate links. Read my disclosure policy here. Want to earn some free gift cards to cover some of your Christmas expenses? I highly recommend signing up for Swagbucks. Swagbucks is one of my favorite ways to earn free gift cards to Amazon, Walmart, Target, and more! There are lots of ways to earn — printing coupons, watching videos, signing up for offers, taking surveys, and more. Go sign up for Swagbucks here and then check out my extensive post here on how to earn more Swagbucks fast. I earned 112 SBs (these are points you can redeem for free gift cards) + a daily bonus today in just a few minutes. I earned most of these by clicking on the Earn 2 SBs offer at the bottom of the Swagbucks homepage, letting the video/ad run, and then clicking on it. I usually do this on my laptop while I’m in the middle of something else. I just go click every minute or so and earn 2 more SBs. Today, I did this while I was getting ready for the day and doing some work on my phone. This is such a simple way to earn points to cash in for free gift cards! And you always know exactly how much you going to earn! 2 SBs might not seem like much, but it adds up quickly and it requires almost zero extra work. How many SBs did you earn today? What are your favorite ways to earn SBs? Looking for more ways to earn free gift cards? You can earn free gift cards from Shopkick and Fetch Rewards. And here are 15 More Ways to Earn Extra Money. [...]
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Not the Right Gift? These 6 Stores Offer Extended Return Policies

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Not the Right Gift? These 6 Stores Offer Extended Return Policies
Getting stuck with a gift you don’t want is one of the most frustrating parts of the holiday season. It may seem ungrateful, but we’ve all been there! Some gifts just won’t fit right, aren’t the model we needed or simply weren’t a good choice for us. Unfortunately, you could ultimately be penalized if the giver of your ill-fitting gift planned too far ahead. Typical store return policies often require an item to be returned within about two weeks of purchase. That’s pretty tough to do when your aunt starts shopping in July! Thankfully, many retailers understand this dilemma and have extended return policies to accommodate unwanted holiday gifts. Here are the special holiday return policies for some of the most popular retailers this season. 6 Popular Retailers With Extended Holiday Return Policies  1. Amazon You can return items Amazon shipped between Nov. 1, 2019 and Dec. 31, 2019 for a full refund until Jan. 31, 2020.  Items shipped from other sellers should fall under this policy, unless otherwise noted in the seller’s Return Policy. 2. Walmart Items at Walmart have varying return policies: 15 days, 30 days or 90 days.  For items purchased between Oct. 24, 2019 and Dec. 25, 2019, here’s the deadline breakdown: Jan. 10, 2020 for items with a 14-day return policy. Jan. 25, 2020 for items with a 30-day return policy. No change for items with a 90-day return policy. 3. TJ Maxx With an extension to the typical 30-day return policy, you can return purchases made between Oct. 13, 2019 and Dec. 24, 2019 until Jan. 25, 2020. FROM THE SAVE MONEY FORUM Saving for and with grandchildren 12/23/19 @ 6:52 PM M What has been your money epiphany? 2/22/19 @ 10:59 AM Saving money 2/8/19 @ 6:59 AM M SAVING MONEY ON A FIXED INCOME 6/7/19 @ 9:31 AM See more in Save Money or ask a money question 4. Best Buy The store’s extended its return period through Jan. 14, 2020 for purchases made between Nov. 1, 2019 and Dec. 31, 2019.  This excludes cell phones, tablets, wearables, major appliances and AppleCare monthly plans. 5. Sears Items purchased between Nov. 1, 2019 and Dec. 24, 2019 have a return period that extends through extended through Jan. 31, 2020 — including sales with or without gift receipts. 6. Lululemon The yoga-wear retailer makes an exception to its return policy for the holidays.  For purchases between Nov. 4, 2019 and Dec. 24, 2019, you’ve got until Jan. 24, 2020 to make a return.  Dana Sitar (@danasitar) is a former branded content 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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Kellogg’s Pop-Tarts Frosted Brown Sugar Cinnamon (32 count) only $6.83 shipped!

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Kellogg’s Pop-Tarts Frosted Brown Sugar Cinnamon (32 count) only $6.83 shipped!
This post may contain affiliate links. Read my disclosure policy here. This is a GREAT price for Pop-Tarts! This popular deal is back again! Amazon has these Kellogg’s Pop-Tarts Frosted Brown Sugar Cinnamon (32 count) for only $6.83 shipped when you check out through Subscribe & Save! This is a great stock up price. Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. Thanks, Passionate Penny Pincher! [...]
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Cancel Free Trials Before You Start Getting Charged. Here’s How

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Cancel Free Trials Before You Start Getting Charged. Here’s How
Free trials aren’t really meant to be free. The goal is to introduce you to a product or service and then hook you so you decide to keep it (and pay for it) beyond the trial period. Either that or the company is hoping you just forget to cancel so they can automatically start charging you for it. Ever wonder why you have to provide your credit card information to sign up for something that’s free? That’s why. If you don’t want to become an unintentional paying customer, it’s vital that you know how to cancel free trials. Consider the Cost Before Signing Up for a Free Trial Signing up for a free trial is a great way to test out a product or service without spending any money. Curious how YouTubeTV works but aren’t ready to sign up? Feel like binge-watching your favorite animated classics without forking over the $69.99 Disney+ annual subscription? Free trials can give you a sneak peek. But they can end up costing you if you’re not careful. Even if you think you’ll definitely cancel the service before your free trial is over, be cautious about signing up for something that doesn’t fit into your budget. You don’t want to fall in love with a service only to have no choice but to cancel it because you can’t afford it. And you don’t want to overdraft your account in the event that you don’t end up canceling in time. In addition to hoping you don’t cancel, companies also want to make sure they can actually get paid. Though a free trial shouldn’t cost you anything, you may see a pending charge or pre-authorization on your account, which is basically the company’s way of verifying that your account is legit. Avoid Paying When Your Free Trials End One way to avoid going past a subscription’s free trial period is to cancel right after signing up. You won’t have to worry about remembering to do it at the end of the week or month or whenever the trial ends.  However, it’s important to note: Only do this if the company will continue providing the service through the end of the trial period. Some don’t and will cut you off as soon as you submit your cancellation. Then you’ve wasted the opportunity to test out the service. Using a virtual credit card is another tactic to avoid paying for subscriptions past the trial period. Virtual credit cards are credit card numbers issued by some banks, credit card companies and independent financial companies. (You don’t actually get a physical card.) These virtual cards often are restricted to a one-time use or have a short expiration period, which makes them favorable to people signing up for free trials. The startup DoNotPay has a similar service that generates virtual credit card numbers you can use for free trials. The card numbers can’t be charged again after a trial period ends, and they aren’t tied to your bank account. Then there’s always the strategy of simply canceling your free trial right before it ends. Set a reminder (or two) to cut your ties with the service before payment becomes due.  Most companies aren’t going to send you a reminder that your free period is about to be over. (Though Mastercard requires some merchants to do so.) Mark your calendar, set an alert on your phone or do whatever you need to remember to cancel. Pro Tip Regularly review your monthly bank statements or credit card statements so you can catch any unexpected charges — like a subscription you forgot to cancel. Make sure you read over the cancellation policy when you sign up for a free trial. Some companies require you to submit cancellation requests a day or two before the start of the first billing period. Generally, when you log into your account, there’s an option to cancel under the section for billing or subscription management. There will probably be multiple prompts to convince you not to cancel, but don’t let them sway you. How to Cancel 12 Popular Free Trial Offers We browsed the cancellation policies of several popular services to get instructions on how to cancel their free trials. In every case, make sure you complete all the steps to confirm your cancellation. Lots of companies send email confirmations. These guidelines are based on canceling directly through each service. Canceling a trial you acquired through a third party — for example, a free HBO trial you signed up for through your cable provider — may require different steps. 1. How to Cancel an Adobe Free Trial Here are the steps to cancel a free trial of Adobe. Go to www.adobe.com and log into your account. Find your plan and click “Cancel Your Plan.” Select the reason you want to cancel and hit “Continue.” 2. How to Cancel an Amazon Prime Free Trial According to the terms and conditions for Amazon Prime, you have three business days from when your free trial converts to a paid membership to get a full refund, provided you haven’t used any of the Prime benefits during that three-day period. However, to cancel your trial before it switches to the paid version, visit this page and click the “End Membership” button. 3. How to Cancel an Ancestry Free Trial According to Ancestry Support, your free trial ends automatically once you cancel it, even if additional days were remaining in the trial period. Cancel Ancestry’s free trial by following these steps. Log into www.ancestry.com. Select your name or username in the top right corner and click on “Your Account.” Go to the section for “Subscriptions” and click “Cancel Subscriptions.” 4. How to Cancel an Audible Free Trial Here’s how to cancel your free trial of Audible. Log in to your account at www.audible.com. Go to “Account Details” and then “Account Settings.” Click on “Cancel my Membership.” 5. How to Cancel an Avast Internet Security Free Trial An article from Avast’s support page states the company will send an email notification to remind users before their trial period ends and auto-payment starts. See the steps below to cancel your free trial before you get charged. Log into your account at my.avast.com. Click “Unsubscribe” for the subscription you want to cancel. Select “Unsubscribe from Future Renewals and Let my Subscription Expire on MM/DD/YYYY.” Make sure the date indicates the end of your trial period. Click “Confirm” and then click “Got it” at the next prompt. See here for additional instructions on how to cancel if you signed up using a different order distributor. FROM THE SAVE MONEY FORUM Saving for and with grandchildren 12/23/19 @ 11:52 PM M What has been your money epiphany? 2/22/19 @ 3:59 PM Saving money 2/8/19 @ 11:59 AM M SAVING MONEY ON A FIXED INCOME 6/7/19 @ 1:31 PM See more in Save Money or ask a money question 6. How to Cancel a Disney+ Free Trial According to the terms in its subscriber agreement, you can cancel at any time during your free trial and still enjoy the service through the end of that trial period. Follow these steps to cancel your free Disney+ trial from your web browser. Go to www.disneyplus.com and log in to your account. Click on your profile in the upper right corner of the screen. Click on “Account” and then “Billing Details.” Choose “Cancel Subscription” and then hit “Complete Cancellation.” See here for more [...]
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*HOT* Get $10 worth of e.l.f. beauty products for FREE after rebate!

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

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Sign up for my free 5 Days to a Better Morning Challenge!
The year is almost coming to a close! If you want some help keeping tracking of your new goals for 2020, be sure to sign up for this challenge! We’re just a couple weeks away from 2020! Can you believe it? If you’re looking forward to 2020 and thinking about your intentions and goals, be sure to sign up for this completely FREE 5 Days to a Better Morning Challenge. I designed this to give you a sort of shot in the arm to help you thrive in 2020! When you sign up for this challenge, I’ll send you a short email every morning with a short motivational message and video from me plus a simple, practical strategy for you to implement immediately. Plus, you’ll also get access to an exclusive Facebook Group (this is optional; I know not everyone is on Facebook!) so you can engage with others who are going through this mini course and we can all keep each other accountable to follow through with our daily projects. >>Yes, I’m in! I want to take the 5 Days to a Better Morning Challenge.<< I can’t wait to cheer you on in this process! Here’s to an amazing new year! [...]
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29 Last-Minute Gift Ideas

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29 Last-Minute Gift Ideas
Need some last-minute gift ideas? I put together a list of 25 gifts that would not only be appreciated by almost everyone, but that can be easily made or purchased at the last minute! For more ideas, be sure to check out my post on 20 Quick and Easy Neighbor Gift Ideas. 29 Last Minute Gift Ideas 1. A Christmas ornament (Here are 25 different DIY Ornament ideas.) 2. A gift card for take out 3. A homemade meal or freezer meal 4. A movie theater gift card 5. Homemade Sugar Scrub 6. Fancy hot chocolate mix 7. An easy to care for house plant 8. Winter accessories gift basket with a cute hat, gloves, scarves, and lip gloss 9. Car stuff in a wash bucket 10. Stove Top Potpourri (here are some creative ways on how to gift it) 11. A gift subscription to a magazine 12. Fresh flowers 13. Make a donation to a charity in their name 14. A local coffee shop gift card 15. Homemade Bath Salts 16. Whipped Body Butter 17. Homemade Fudge 18. Homemade Lip Balm 19. Homemade Banana Bread or Muffins 20. Homemade Bath Bombs 21. Gingerbread House Kit 22. DIY Ice Cream Sundae Kit 23. Cookie Mix in a Jar 24. Homemade Marshmallows 25. DIY Personalized Mugs 4 More Ideas from Followers 26. We love to give Party Mix! My husband makes several gallons and I put it in small goody bags! Everyone who comes to our door gets one! Also the neighbors, friends, and church staff! -Rebecca (Here’s a super easy recipe for Christmas Trail Mix.) 27. My favorite last-minute gift idea is to create calendars and photo magnets from the Walgreens photo department. They have same day pick up and run really great deals. -Kelly 28. I like to put together a little gift basket or box with a bag of microwave popcorn, movie candies ($1 or less at the store), and a $10 Amazon gift card for a movie night. -Karissa 29. I buy pretty containers and fill them with homemade peppermint bark, peanut brittle, and turtles. This year, I found some cute glass jars with metal latches at Dollar Tree and I found a recipe for Chai Latte Mix to fill them up. -Robin What are some of your favorite last minute gift ideas? [...]
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How I’m Changing the Way I Set Goals in 2020

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How I’m Changing the Way I Set Goals in 2020
Note: I said in the episode that next week we’d be talking about foster care next week. Well, I completely forgot that next week was Christmas! Whoops! We’ll be taking next week off for Christmas but then we’ll be back the week of New Year’s with an episode on our Word of the Year for 2020. And then the following week, we promise to do the foster care episode! Thank you for your grace! We’re nearing the end of the year and it’s time to reflect on this year to prepare for next. This is the time of year that Jesse and I sit down and review the past year. How did we do on our goals? What worked? What didn’t? What did we learn?  In this episode, we talk really candidly about our goals we set for 2019 and what worked, what didn’t work, what we learned, and how we’re changing up our goal-setting for 2019. If you’d enjoy a personal peek into what goal-setting has looked like for us, what we’ve learned about goal-setting, and how I’m completely changing the way I set goals in 2020, you don’t want to miss this episode. Psst! You’ll also get some first word news on a little of what you can expect on MoneySavingMom.com in 2020 (I think you’re going to like it — especially if you love my personal posts and enjoy my book posts and goal-setting posts!) We also give you a framework to reflect on your past year and how to use this as a reference point for setting goals. And by the way, even if you really despise the idea of setting goals, I think you’ll still enjoy this episode! In This Episode:  [00:49] Jesse and I are skipping our usual segments to dive straight into goal setting for the new year. [01:34] We share what our goal setting process looks like now versus in previous years. [03:27] Learn the three questions I ask myself as I reflect on the prior year. [03:50] Why should you set goals each year?  [05:36] Make sure your goals are serving you. [06:42] Jesse and I share the goals that worked in 2019. [13:44] Next we ask ourselves, what didn’t work for the year? [17:34] The third question I like to ask is, what did I learn?  [26:57] The last focus of goal setting for me is to think about what I hope for in the new year. [29:11] My two big goals for 2020? Have a baby! … and write a book. Plus, why I’m not setting yearly goals in 2020 and what I’m doing instead. Links and Resources: Michael Hyatt – The Full Focus Planner Choose Faith: Men’s Gratitude Journal Crystal’s Favorite Things on Amazon CrystalPaine.com MoneySavingMom.com Crystal’s Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player we’ll include in the show notes of each episode. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support! [...]
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Get two months of Adventure Academy for just $5!

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Get two months of Adventure Academy for just $5!
This post may contain affiliate links. Read my disclosure policy here. Do you have elementary or middle school aged kids who love online gaming? You might want to check out Adventure Academy!! Adventure Academy — a new educational MMO game created specifically for kids in elementary and middle school — is currently running a limited time special! You can get two months for just $5 right now — which is a savings of 74% off the regular monthly price! Developed by the top video gaming designers and crafted by a team of curriculum experts, Adventure Academy is a highly engaging and creative platform that focuses on building critical knowledge and skills in language arts, math, social studies, science, and more! Adventure Academy features thousands of educational learning activities, such as videos, reading experiences, games, quizzes, and many other interactive elements— all within the frameworks of U.S. (and international) curriculum standards. I checked it out and it plays a lot like an adventure game (think Zelda!) but within an educational framework. It’s really cool! If you wish to continue with the service after two months, you’ll be billed at $9.99 per month. If you do not wish to continue with the service, be sure to cancel your subscription before the first two months ends so that you avoid any future charges to your credit card. It’s very easy to cancel at any time by logging in and clicking “my account.” {If you’d rather try it for free, you can still sign up for a free 30-day trial here. You just won’t be able to take advantage of this introductory two month offer. You’ll be billed $9.99 per month after the free trial, if you wish to continue.} Go here to sign up for two months of Adventure Academy for just $5. [...]
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Ask Yourself These 5 Questions Before You Start a Ridesharing Gig

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Ask Yourself These 5 Questions Before You Start a Ridesharing Gig
You have a vehicle. You need to supplement your income. Driving for Uber or Lyft may seem like a no-brainer. Since Uber’s 2009 launch (and Lyft in 2012) rideshare driving has become almost synonymous with side hustles and the gig economy. Lyft self-reports 1.5 million drivers in the U.S. Uber doesn’t share its numbers, but many drivers work for both apps, which tout flexible work and quick money.  But is ridesharing all it’s cracked up to be? Before you sign up, take some time to answer these sobering questions. 1. How Much Will I Really Be Making? Uber and Lyft drivers are considered independent contractors, not employees. So earnings can get a little tricky. First of all, the companies don’t pay by the hour. They pay per fare. Even trickier, the pay is broken down into several parts: base pay (a guaranteed amount), plus bonuses, promotions and tips. Every part of that equation may fluctuate per ride — making hourly earnings nearly impossible to project. Still, on average, drivers can rake in decent dough. The Penny Hoarder analyzed self-reported wage data from Glassdoor and found that Uber drivers earned between $12 and $16 per hour, based on 461 wages. Lyft drivers took home $15 to $16 an hour, according to 394 drivers. But technically, as an independent contractor, you’re only getting paid if you’re en-route or already chauffeuring a passenger. The time you spend waiting for a fare or returning to a populated area after you’ve dropped off a passenger doesn’t count. All the while, you’re racking up mileage and burning gas, another expense that should be subtracted from your earnings. Jerry Brown, a library tech and former rideshare driver from Louisiana, started picking up on these “invisible expenses” when his bank account balance wasn’t what he expected. “I did a cost-benefit analysis,” he said. “The profit only ended up being $10 an hour when we broke down all the other expenses… I didn’t really think of that going in.” 2. Can My Vehicle Handle It? The first thing you need to determine is if you’re vehicle is eligible for ridesharing. In our Uber vs. Lyft guide, we break down the basic requirements. The biggest one being: Your car, truck or SUV needs to be a 2002 model or newer to drive for Uber and a 2006 model or newer to drive for Lyft.  Your vehicle must be able to fit at least four passengers for both services. It needs to be in good working condition, too. But just because it’s in good condition at first doesn’t mean it’s going to stay that way. Besides gas, Brown said his maintenance costs piled up quickly. “I put almost 30,000 miles on my car,” Brown said. Those miles cost more than just gas and oil changes. They depreciate your car’s value, too. “I eventually decided to pivot away from Uber as a side hustle because it was too much wear and tear on my car,” he said. 3. What Are the Risks? The most dangerous part of driving for a rideshare company … is the driving part. Driving is one of the most dangerous things we as Americans do on any given day. According to the National Highway Traffic Safety Administration, law enforcement recorded 6.5 million automobile accidents in 2018. Those accidents resulted in 36,560 deaths and 2.7 million injuries. In addition to the nature of the job, rideshare drivers and gig workers in general have a few other factors to keep in mind. While drivers have to go through background checks and submit government-issued IDs to the gig companies, passengers are often anonymous and untraceable. “The risks workers encountered are pretty extensive,” said Dr. Alexandrea Ravenelle, a gig economy researcher and professor of sociology at the University of North Carolina. “Workers don’t always know what they’re getting involved in” when they take a fare. In December, Uber released the extent of those risks in its first ever “US Safety Report.” The study analyzed fatal accidents, physical assaults and sexual assaults across 2.3 billion trips in 2017 and 2018. The company reported 5,981 incidents of sexual assault. An analysis of Uber’s data indicates that in almost 2,700 of those incidents, the driver was the victim. Twenty two drivers died in car accidents, and seven died from physical assaults. Lyft has not released similar statistics. 4. Are Dash Cams a Good Idea? If you are prepared to invite strangers into your car, a dash cam may be a good investment. Because of your independent contractor status, neither Uber nor Lyft will cover the cost of the camera, but it could be a lifeline should something go wrong during a trip. Dash cameras are relatively inexpensive and easy to set up. On Amazon, a standard HD camera costs between $30 and $100. Both Uber and Lyft offer complimentary insurance for drivers, but the policies are nuanced. Uber insurance coverage varies depending on if you are merely online, en route to a passenger, or have a passenger in your car. Lyft’s insurance policy works similarly. The biggest difference between the two is deductibles: $1,000 for Uber and $2,500 for Lyft. A dash cam provides legal backup in case an accident happens while you’re logged on. It may also strengthen your claim to receive reimbursement if a passenger damages your car. For example, if a passenger spills a box of greasy take-out all over your back seat, you’re going to have to stop taking fares and deep clean your upholstery. You can make an inconvenience claim to receive up to $250, but the hard part is proving who caused the damage. That’s where a camera comes in handy. Perhaps the biggest perk is the Hawthorne effect: When you have a camera clearly visible to passengers, they’re likely going to be on their best behavior. 5. What’s My Exit Plan? The gig economy offers easy entry compared to the traditional job market. It’s the leaving part where most people get stuck. It’s easy to start depending on the extra money from driving. But once that cash starts going toward rent or groceries, quitting puts your finances at risk. And that situation can easily snowball into never-ending work. To avoid that scenario, create a side hustle exit plan before you take on additional work. Compared to some side gigs, the startup costs to rideshare driving are relatively low. So your plan doesn’t have to be bound and laminated.  It can be something as simple as: I want to pay down my remaining $1,500 in credit card debt by driving for Uber on the weekends. Pro Tip Give yourself clear working hours. Having a cut-off point can go a long way. When Brown started driving for Uber, he had a clear financial goal in mind to pay off his car loan in six months. Even with that goal, he said the work sucked him in. “It was kind of addictive,” he said, telling himself “just one more ride, just one more ride.” Brown was indeed able to pay off his car, but his hustling wasn’t sustainable. He wanted to take better care of himself.  He realized, “I need to spend less time working so I can enjoy life.” Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, entrepreneurship and unique ways to make money. 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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*HOT* $10 off any $25 Purchase of Sharpie, Papermate, EXPO and more!

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*HOT* $10 off any $25 Purchase of Sharpie, Papermate, EXPO and more!
This post may contain affiliate links. Read my disclosure policy here. If you need new markers and pencils or pens, this is HOT deal! Right now, Amazon is offering $10 off when you purchase $25 in select Sharpie, Papermate, EXPO and more products! This is HOT deal and a great time to grab some stocking stuffers for cheap or stock up on pens and markers. Here are a couple of great deal ideas… Prismacolor Soft Core Colored Pencils 48-Pack – $25.99 (regularly $28.99) Less $10 instant savings at checkout $15.99 shipped after deal Dymo Label Maker with 3 Bonus Labeling Tapes – $29.58 Less $10 instant savings at checkout $19.58 shipped after deal 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. Thanks, Hip2Save! [...]
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Your Guide to Citi’s 48-Month Rule

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Your Guide to Citi’s 48-Month Rule
Citi has an impressive lineup of rewards credit cards with generous welcome bonuses. Whether you’re looking to stock up on transferable Citi ThankYou points or AAdvantage miles, Citi has multiple cards to choose from. The downer? Citi has also begun restricting the welcome bonuses on some of these credit cards. In some cases, if you’ve... Ariana Arghandewal is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Your Guide to Citi’s 48-Month Rule originally appeared on NerdWallet. [...]
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Stop Waiting Until Your Kids Are Teenagers to Talk to Them About Money!

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Stop Waiting Until Your Kids Are Teenagers to Talk to Them About Money!