Over 50 and Still Owe on Student Loans? Here’s How to Get Debt Free

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Over 50 and Still Owe on Student Loans? Here’s How to Get Debt Free
Student loan debt isn’t reserved for the young. In fact, it’s becoming a bigger problem for those well beyond the traditional campus quad years. Of the $1.5 trillion student debt Americans owe, people age 50 and older owe 20% of it — $289.5 billion. And borrowers 62 and older held $72.9 billion in outstanding federal student loans, up $10.4 billion from the previous year, according to the U.S. Department of Education. Why so much? The majority of the loans are for children’s and grandchildren’s education, although some of it is also for career changers taking out later-in-life loans for their own education. Unfortunately, with the prospect of retirement on the horizon, there’s a lot less time to pay off those student loans, and there can be painful consequences if you don’t — including having your Social Security wages garnished. If you’re among those who are closer to retirement than the legal drinking age, we have solutions for dealing with student loan debt when you’re over 50. Paying Off Student Loan Debt After Age 50 Everyone has their own reasons for staring down student loans when they’re on the verge of retirement. And while we have plenty of strategies for paying off student loans in general, we’re here to address some of the most common scenarios that lead to student loan debt after 50 and offer tips on how to pay them off. 1. You Took Out Federal Student Loans  You may have heard this before: Your kids can borrow for college, but you can’t take out loans to retire. Regardless of whether you took out federal loans for your own education or your kid’s, saving for retirement should still be a priority. In fact, it could potentially save you thousands on student loan repayments.  If you have federal student loans, you can qualify for an income-driven repayment plan, which calculates your monthly student loan payments based on your income. But your contributions to a 401(k) or IRA are pre-tax dollars, which reduce your salary in the eyes of the federal government. And a smaller salary reduces your monthly student loan payment. Depending on the repayment plan, after 20 to 25 years of on-time payments, the remaining balance will be forgiven, although that amount will be counted as taxable income. “If that’s the case, you’re in your 70s — your income traditionally is lower,” said Amy Irvine, a Certified Financial Planner and founder of Rooted Planning Group. “So you may end up paying less income tax on the amount that’s forgiven with the income-driven plan than you would have if you had made the full payment.” Pro Tip If you’re 50 or older in 2020, you can contribute up to $26,000 to your 401(k) and up to $7,000 to your IRAs. Another option for socking away money to lower your taxable income: a Health Savings Account. In 2020, you can contribute up to $3,550 as an individual or $7,100 as family to an HSA if you have a high-deductible health plan. And as a bonus, you’ll probably appreciate the extra money for health care as you continue to get older. “One of the biggest reasons that a financial plan ‘fails’ in retirement is because of medical expenses,” Irvine said. 2. You Took Out (or Co-Signed) Private Student Loans If you have a private student loan staring you down — either ones you took out or that you cosigned for your student — you’ll need to get a little more creative when it comes to paying it back. Because it isn’t a federal loan, you typically do not have the income-driven options that the federal loans offer. However, it doesn’t hurt to call your lender and ask about extended payment plans. Other options: Consider refinancing the loan or taking out a personal loan with a lower interest rate, which can save you money over the life of your loan.  Pro Tip If you’re married and one partner earns significantly more, ask your tax adviser whether filing your taxes as “married filing separately” could help you qualify for an income-driven plan. If you own your home and car, consider using a home equity loan rather than taking out a loan against your vehicle, Irvine advised.  “[Your home] is a more stable asset than a car that’s depreciating,” she said. Regardless of the strategy you choose, the ultimate goal should be to get the payment low enough so the student can take over the payments — and eventually the loan — themselves. 3. You Have Multiple Loans With High Interest If you have federal and private loans, you may be looking for a one-stop solution, like consolidation. However, that could negate some of the benefits you get with federal loans. “Federal loans are dischargeable if the borrower is permanently disabled or dies,” said Joseph Valenti, senior policy advisor with the AARP Public Policy Institute. “Doing the private refinancing means losing some of those rights and options.” However, that doesn’t always mean holding onto high-interest loans for death and disability benefits is the best option financially, Irvine noted. “Let’s say you’re paying 7% on those direct loans, and you can go out and refinance those into a private loan for 3%,” she said. “Then you may want to up your disability policy so that you know you have the money to repay that loan or take out a life insurance policy so that if something happens to you, the loan can be paid off.”  4. You’re Paying Your Child’s Federal Student Loans So there’s the obvious answer to this one: Tell your kid to start footing the bill for their own student loans. But you’re a parent (or grandparent), not some heartless thug. You want to help your kids if they can’t afford those astronomical student loan payments. But your offspring can still do their part to help by getting themselves on an income-driven repayment plan. “Even if the parent or grandparent has to make that minimum payment, it’s still much better than the full payment,” Irvine said. FROM THE DEBT FORUM Debt collections 11/23/19 @ 12:57 PM Student loans 11/20/19 @ 9:17 AM Paid off Debt, however Credit Score stayed the same....Why? 4/23/19 @ 7:10 PM Credit card Debt 11/19/19 @ 10:56 AM See more in Debt or ask a money question 5. Your Kids Are Heading to College and You Still Owe on Your Own Student Loans If your kids have dreams of campus life, but you’re still paying for your own college years, it’s best to come up with a strategy before they start applying. Scholarships and part-time jobs during the school year and summer jobs can help your child put a dent in their debt, giving them a better chance to manage their repayment without your help. But your strategy for paying off loans could also require a little creativity — and working with your kid’s prospective school. “One of my clients had a really high interest rate student loan that they were repaying,” Irvine said. “We actually used the Plus loan to pay off their loan, and then figured out how to do an installment payment to the college to get the student’s tuition covered.”  6. You’re Ignoring the Problem This one is on you. It’s stressful, it’s confusing and sometimes unfair, but ignoring the debt is the worst mistake Irvine said she sees clients make. “They don’t know what th [...]
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Stay In Other People’s Awesome Homes for Free With House-Sitting Gigs

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Stay In Other People’s Awesome Homes for Free With House-Sitting Gigs
Imagine sipping your morning coffee on a beautiful balcony looking out over the ocean. Later, you water the plants and clean up a bit before taking a dip in the pool. Oh, and you’re getting paid for taking care of this house!  It sounds too good to be true. Can you really find house-sitting jobs that pay? Yes and no. Yes, caretaking gigs that pay a salary or stipend in addition to providing you a place to stay do exist. But no, there aren’t many that fit the description above.  Most house-sitting opportunities fall into one of two categories: standard house-sitting gigs, or more demanding caretaking jobs. If you’re curious about getting free accommodation in interesting places (and maybe earning a little cash as well), here’s how to get started. Basic House-Sitting Jobs Many websites list house-sitting gigs, and a quick glance at the listings tells you right away that not many people are offering to pay their house sitters much — if anything. Normally, you get a nice place to stay, rent free. This might not sound like much of a money-making opportunity, but it depends on how you look at it. If your current lease is ending and you’ll get free rent somewhere for three months before moving into your next $1,000-per-month apartment, you’re $3,000 better off, right? Here are some of the online platforms where you can find the opportunities, along with their subscription rates: House Sitters America ($30 per year) Mind My House ($20 per year) Housecarers.com ($50 per year or free limited membership) Luxury House Sitting ($25 per year) Nomador ($89 per year or limited free membership) Some people make a lifestyle of house-sitting. Canadian couple Dalene & Peter Heck sold everything in 2009 to travel the world, staying in other people’s homes. Among other stays, they cared for homes in Honduras, France, Greenland, Tanzania and Namibia. After eight years of traveling, the couple settled back in Canada.  Sometimes you can get paid for basic house sitting. As House Sitters America explains: “The bottom line is it’s all negotiable between you and the homeowners. In most cases it’s just a straight swap; the house sitter cares for the house and pets in exchange for free accommodation… However there may be times when a homeowner will offer some money for the house sitting job.” The site offers examples of times a homeowner might pay you, including: When the house is in an undesirable location. For short sits (such as a few days). When there are many pets to care for. “Of course, there are also many professional house and pet sitters who actually do this for a living, and they will charge a fee for their services,” the site adds. How do these professionals get paid? Usually they offer a bit more than simply staying in the house and making sure no one breaks in.  Caretaking Jobs In general, you’ll get a stipend or salary if you’re doing more than just watching a home. In these cases, you’re more of a caretaker than a house-sitter. One of the best sources for these types of jobs is The Caretaker Gazette, which has been around for more than 35 years. They have the usual listings of free places to stay, but they also host advertisements from people who are willing to pay you. In their archives (which you can see for free) I found the following three examples in one issue: 1. In a small town in Alaska, someone was hiring a caretaker to manage a small store and two apartments and do monthly home heating oil deliveries. Pay: A small apartment with all bills covered, TV, Wi-Fi, salary (unspecified) and bonuses. 2. Near Colorado Springs, Colorado, an ad requested a couple or single person to care for a ranch with five horses. Pay: Salary (unspecified) and a furnished apartment. 3. An ad from Nassau, in the Bahamas, wanted a “house couple” to keep house, plan events, run errands and much more. Pay: A place to stay and “$100,000 to $120,000 per year.”  Clearly these are jobs, not just house-sitting, but they suggest the variety offerings found in the Caretaker Gazette. Of the 100 or so postings in that one issue of their newsletter, there were opportunities all over the U.S. as well as in a dozen other countries, including Peru, Australia and Iceland. Are You Qualified to House-Sit?  A good house-sitter is responsible, reliable and adaptable. If you’re looking to get more than just free accommodation, it helps to also have some mechanical skills. For example, more than one caretaking gig I found in my research required someone with basic plumbing skills, like being able to fix a leaking sink drain. You’ll have competition, by the way, even for the basic house-sitting jobs. At the moment Mind My House shows 302 active house-sitting assignments, but more than 4,300 “sitter available” listings.  In other words, clients get to be choosy, so experience is a plus. To build some, you might start by house-sitting for family and friends. Be sure to get glowing testimonials from them to add to your resume. Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. He’s been a repo-man, walking stick carver, search engine evaluator, house flipper, tram driver, process server, mock juror, and roulette croupier, but of more than 100 ways he has made money, writing is his favorite (so far). 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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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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Who wants a FREE $5 Amazon gift card??

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

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JCPenney: Buy One, Get One Free Nike Shoes!
This post may contain affiliate links. Read my disclosure policy here. Right now, you can score Buy One, Get One Free Nike Shoes at JCPenney! For a limited time, JCPenney has Nike shoes on sale Buy One, Get One Free! No promo code needed. Please note that this excludes sale and clearance shoes. Check out these deal ideas… Buy one pair of Nike Air Max Oketo Mens Running Shoes – $75 Buy one pair of Nike Run Swift Womens Running Shoes – $70 Total after Buy One Get One Free = $75 $37.50 each after sale Buy one pair of Nike Downshifter 9 Womens Running Shoes – $60 Buy one pair of Nike Flex Essential Womens Training Shoes – $60 Total after Buy One Get One Free = $60 $30 each after sale Buy one pair of Nike Zoom Rival Fly Womens Lace-up Running Shoes – $90 Buy one pair of Nike Zoom Winflo 6 Womens Running Shoes – $90 Total after Buy One, Get One Free = $90 $45 each after sale Choose free in-store pickup to avoid shipping costs. Thanks, Hip2Save! [...]
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Here’s a Legitimate Way to Get up to $5K in Free Cash When You Buy a House

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Here’s a Legitimate Way to Get up to $5K in Free Cash When You Buy a House
Are you thinking of buying a home? Maybe it’s time to stop renting and start owning — or you’re ready to trade in your current home for a bigger, better one in another location. If you’re ready to pursue the American dream of homeownership, there’s one important and surprising step you might want to take first — something you may not have thought of. You can actually get cash back on your home purchase — as much as $5,000. Unbelievable, huh? Normally when you think “cash back,” you think about getting a little bit of money back on your debit-card purchases or for certain items at the grocery store. Let’s think bigger — a lot bigger. We’ve found a rewards site called Cash Direct Club, and it’ll pay you some serious cash for major purchases. How to Get Paid Within 30 Days of Closing At first glance, Cash Direct Club appears to be similar to other cash-back sites. Namely, it allows you to get paid when you shop at more than 200 major online retailers. Look closer, though, and you’ll see a big difference. You can earn up to $5,000 if you buy a home through one of 20,000 top real estate agents across the U.S. in the club’s network. Trust us: It’s important to have a real estate agent you’re comfortable with, and that’s why this company has gone to great lengths to build a huge network of agents. It earns a commission for referring you — and shares it with you. “When you purchase a home, we then pass along part of those earnings to you as cash back,” the company says. “It’s that simple!” Here’s how to earn that $5,000 rebate when you buy a home: Fill out a quick and simple form on Cash Direct Club’s website.  Get matched with a real estate agent in your area.  Buy a house, and get paid within 30 days of closing. You’ll Find More Ways to Get Paid, Too If you want to buy a home, this looks like the best deal for you. Beyond that, you can keep earning by shopping (and saving) with Cash Direct Club. You’ll immediately earn $3 when you install its web browser button and another $3 if you download the app. You can also shop online directly through Cash Direct Club’s website, by clicking on the retailers listed there. And you’ll get a $20 bonus when you make your first purchase. Here’s what else it offers: Earn up to double cash back at many retailers when you spend at least $125 on a single purchase. Earn $100 cash back if you get a personal loan through the site. (Its partner lender offers loans of $1,000 to $50,000 for terms of three or five years.) Earn up to $10 when you refer a friend — $5 when they make their first purchase, and another $5 when they make a purchase of over $125. Now get house-hunting! Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He likes cash just as much as you do. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Senior Citizens Can Go to College for Free or Cheap in All 50 States

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

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Free Bic Pens at Target, plus more!
Headed to Target this week? Pick up some free Bic Pens! You can score some great deals on Bic Pens and Pencils at Target! Here’s how: Buy 1 BIC Xtra Life Stic Pens 10 ct – as low as $0.99 Use $1/1 Bic Manufacturer’s Coupon Target Circle offer Free after coupon Buy 1 Bic Mechanical Pencil Packs – as low as $2.29 Use $2/1 Bic Pencils Manufacturer’s Coupon Target Circle offer $0.29 after coupon Thanks, Kosher On A Budget! [...]
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Target: Free Shipping On All Online Holiday Orders!

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

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

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

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Shop Your Closet to Find 7 Last-Minute Halloween Costumes (For Free!)
Costume parties in and of themselves seem like a great idea. That is, until you realize that you’re about to spend $50+ and countless hours putting together an outfit you’ll wear once before shoving it deep under the bed with the rest of your one-hit-wonder Halloween ensembles. And while I always try to be frugal (because despite my over-the-top holiday enthusiasm, I’m still a Penny Hoarder at heart), I’m also pretty lazy when it comes to Halloween costumes. I always think I’m going to go all out and DIY my costume, but then every year, without fail, I end up running to the store at the last minute and spending a lot of money. There has to be a better way to go about this whole costume business — a way that, ideally, won’t cost any money at all.   7 Last-Minute Halloween Costumes You Can Make at Home If your aim is to wear a completely free (we like free!) costume on Halloween, start with your closet. Chances are you already have a few costume pieces lurking in the dark recesses of your wardrobe. I mean, there’s gotta be a reason you didn’t throw out that Hawaiian print shirt from the summer of ‘92 yet, right?! I started brainstorming and managed to put together seven great options that I could wear to a Halloween costume party — using only things I already owned. 1. Tourist This one might be the easiest costume on this list to pull off. I mean, who among us doesn’t have a pair of shorts, a brightly colored shirt and some tacky socks you can pair with sandals? Slap on a straw hat or visor and some sunglasses and grab a camera or a map and you’re ready to go. A sunscreened nose will only make your costume more realistic (although a little messy). 2. Fortune Teller For this one, you’ll need drapey, flowy clothing, a scarf or headband and lots of stacked jewelry (never enough jewelry). If you’re not totally convinced that your costume is convincing, carry around a prop like a Magic Eight Ball (or a plain glass orb, if you just so happen to have one lying around) and make vague but ominous statements all night about how your friends’ Mondays will go. 3. Minion Overalls were like the parachute pants of 2017: You either own three pairs already, or you’re desperately looking for an excuse to add them to your closet. Add in a yellow shirt (any shade will get the point across), black shoes and gloves and a pair of round glasses or goggles (find an awesome DIY tutorial here), and you’re all set to annoy the living daylights out of everyone at the party. 4. Pinup Girl High-waisted shorts + a button-down shirt + wedges + red lipstick + bandana = perfect pinup girl. Follow a YouTube tutorial like this one to achieve that flawless pinup hair curl (I promise, it’s actually so much easier than it looks), and you’re ready to make old-fashioned gentlemen swoon. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 12:24 PM Traveling All 50 States On a Budget 10/9/19 @ 8:40 PM Acorns 8/14/19 @ 6:00 PM See more in Save Money or ask a money question 5. Witch This costume is less classic witch and more witchy-esque. I mean, does anyone just casually own a pointy hat? No matter: Throw on lots of black layers, add some dramatic makeup, frizz up your hair and add some drippy black jewelry and no one will even question your costume (mostly out of fear). Bonus points if you’re willing to carry a broom around all night. 6. Zombie This one doesn’t take a lot of… wait for it… brains to figure out. (I know, I know. I already docked myself three whole funny points.) But seriously, all you need is holey, grungy clothes: ripped jeans, an old work shirt, a plaid button-up and a pair of dirty sneakers. This will either read as zombie or “midnight Taco Bell run” depending on how you accessorize — which is why you can’t skip the makeup. Use dark eyeshadow around your eyes and under your cheeks, rat your hair and add some twigs and leaves and you’re good to go. 7. Greaser This one’s a classic, and honestly if you try to tell me you don’t own a white T-shirt and leggings or jeans, I won’t believe you. Tie a scarf around your neck, slip on a pair of sneakers or wedges, throw a jacket (denim, leather or bomber) over your shoulder and you’re good to go. Bonus: This one makes for an excellent couples costume, too. Trick or Treat! Assuming you own at least a pair of jeans and some dark makeup, I’d say we’ve just about solved your last-minute costume woes. Now you officially have no excuse for not showing up to the party in a costume that could shock Frankenstein’s monster to life. Grace Schweizer is an email content writer at The Penny Hoarder. She’s just trying to figure out if there’s a way to combine all her best costume ideas into one. Is there such a thing as a fortuwitcheaserpinuzombieist? This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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How to Finally Break Free from Anxiety & Stress

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How to Finally Break Free from Anxiety & Stress
Need some practical encouragement to move past anxiety, stress, and survival mode? Longing for life of more wholeness? Don’t miss this episode with Aundi Kolber! Missed previous episodes of The Crystal Paine show? You can listen to them here. Okay, I know I’ve said this before about other episodes, but I truly think today’s episode was one of my very favorite podcast recordings to date! Maybe it had something to do with the fact that Aundi Kolber is a therapist and I felt like I got a therapy session just by spending an hour with her?! 🙂 Listen in to the episode and you’ll see what I mean. Aundi has a gift of sharing so eloquently and yet also in such a heartfelt manner. She just exudes such peace and calmness, but also such profound wisdom and understanding of how we are wired. In this episode, we not only talk about what’s saving our lives (I had to laugh that she talked about something related to brain science and I talk about leggings!) and the books we’re reading, but then we dive into some deep heart topics. She shares what it means to Try Softer (the title of her new book), the difference between Big T trauma and little t trauma and how we might be experiencing the aftershocks of little t trauma without even realizing it and this might be at the root of our stress, anxiety, and overwhelm. Aundi explains thoroughly how the body processes pain — whether physical or emotional. And she provides very concrete suggestions and ideas for how we can start to take steps toward more healing and wholeness. Whether you feel stressed, anxious, and overwhelmed or whether you know someone who does, this conversation is highly important and one that you do not want to miss. I have thought of it over and over again since we recorded last week and will be taking so many nuggets of truth from it to apply to my everyday life. In This Episode:  [00:25] Welcome back! I am so excited to have Aundi Kolber on the show! [01:06] Aundi shares about a little about her background and family [03:43] Meaningful walks are saving Aundi’s life — and the brain science she shares here is fascinating! And then, to keep things a little more down to earth (!), I talk about my new favorite leggings. [09:25] We discuss our current reads, including one written by a therapist and a novel I finished last week.  [13:08] Why did Aundi write Try Softer? (I loved that she wrote it as a love letter to her younger self!) [17:20] We talk about the stigma surrounding the word “trauma” and why it’s important to understand if you’ve experienced little t trauma. [19:27] How can you tell if you’re holding onto the pain of the past and how does it show up in your life? [23:50] What does it mean to “try softer” and how can we apply this in our every day lives? [27:37] Aundi shares practical first steps for beginning to break free from stress, anxiety, and survival mode — even if you feel so stuck and overwhelmed that you don’t know how to take the first step! Links and Resources: Try Softer by Aundi Kolber Aundi’s Website My New Favorite Leggings Maybe You Should Talk to Someone by Lori Gottlieb (Note: Aundi wrote me a few days after the interview to say that she would give a language warning with this book. She said it didn’t show up until the later parts of the book which she hadn’t read yet when we did this interview.) Boundaries for Your Soul by Allison Cook and Kimberly Miller The Printed Letter Bookshop by Katherine Reay Dear Mr. Knightley by Katherine Reay Aundi on Facebook Aundi on Twitter Crystal’s Favorite Things on Amazon CrystalPaine.com MoneySavingMom.com Crystal’s Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player we’ll include in the show notes of each episode. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support! [...]
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Up to 60% off DC Shoes for the Family + Free Shipping!

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Up to 60% off DC Shoes for the Family + Free Shipping!
This post may contain affiliate links. Read my disclosure policy here. Need new shoes? You can get up to 60% off DC Shoes plus free shipping right now! Right now, DCShoes.com is offering up to 50% off select sneakers and apparel for the whole family! Plus, you can get an extra 40% off when you use the promo code FALL40 at checkout! Even better, shipping is free for DC Shoes BoardRiders Club members (free to join). Here are some deal ideas… DC Men’s Anvil TX Shoes in Red/Black – $33.99 (regularly $55) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $20.39 shipped after promo code DC Men’s Heathrow Vulc Shoes – $35.99 (regularly $70) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $21.59 shipped after promo code DC Women’s Kalis Lite Shoes in Grey – $45.99 (regularly $75) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $27.59 shipped after promo code DC Women’s E.Tribeka SE Shoes in Metallic Silver – $38.99 (regularly $95) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $23.39 shipped after promo code DC Kids’ Trase TX Shoes in Red – $30.99 (regularly $50) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $18.59 shipped after promo code DC Kids’ Trase V SE Shoes in Pink – $36.99 (regularly $60) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $22.19 shipped after promo code Valid through October 31, 2019. Thanks, Hip2Save! [...]
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Don’t Wait: Here’s Where to Get a Free or Low-Cost Mammogram This Month

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Don’t Wait: Here’s Where to Get a Free or Low-Cost Mammogram This Month
If you couldn’t tell by all the pink everywhere, October is Breast Cancer Awareness Month. And one of the best ways to stop breast cancer in its tracks? Early detection (it works). Though every woman should do breast self-exams each month, women over 40 should also consider getting a mammogram — an X-ray that examines breast tissue — every one to two years. (Here are specific guidelines.) If you’re younger than 40 but have risk factors for breast cancer, you might need mammograms, too; ask for your doctor’s recommendation. But whatever your age, don’t avoid mammograms because of their cost. 6 Places That Offer Low-Cost or Free Mammograms Women today have a bounty of ways to get free and low-cost mammograms. Here are six options. 1. Your Doctor If you’re 40 or older, the Affordable Care Act requires your insurer to cover screening mammograms with no co-payment. More information is available here. Medicare and Medicaid also cover the cost of mammograms. 2. The National Breast Cancer Foundation The National Breast Cancer Foundation partners “with medical facilities across the country to provide free mammograms and diagnostic breast care services to underserved women.” Click here to search for a location near you. 3. The Susan G. Komen Foundation This organization has affiliates in 120 American cities.   According to its website, its affiliate network “is the nation’s largest private funder of community-based breast health education and breast cancer screening and treatment programs.” To learn what resources are available in your area, search for your local affiliate here. Prefer to speak to someone? Call the organization’s breast care helpline at 1-877-GO-KOMEN (1-877-465-6636), and the representatives will help you find low-cost options in your area. 4. The National Breast and Cervical Cancer Control Program The CDC’s National Breast and Cervical Cancer Control Program “provides breast and cervical cancer screenings and diagnostic services to low-income, uninsured and underinsured women across the United States.” To qualify for this screening, you should be between the ages of 40 and 64, have no insurance or insurance that fails to cover screening exams, and live at or below 250% of the federal poverty level. You can find out more information about your state or territory here. FROM THE SAVE MONEY FORUM For those Who do not drive, what is the cheapest way to get around? 8/16/19 @ 1:55 AM M Saving money on pet meds 9/11/19 @ 3:41 PM Acorns 8/14/19 @ 6:00 PM How to save when grocery shopping 8/15/19 @ 2:43 PM See more in Save Money or ask a money question 5. The YWCA Some YWCA chapters provide breast cancer screening and education to women who have no insurance or who are underinsured. Contact your local YWCA to see if it offers affordable mammograms.   6. Your Local Imaging Center According to the Susan G. Komen Foundation, many imaging centers offer reduced rates during Breast Cancer Awareness Month. You can search for a local mammography center on the FDA website. You might be wondering why Planned Parenthood isn’t on the list. These popular clinics provide clinical breast exams, but not mammograms; if an abnormality is detected during your exam, the doctor will refer you to a provider of low- or no-cost mammograms like the ones above. To learn more about mammograms — including how they work and how to prepare — check out this PDF from the Komen Foundation. Whatever you do, don’t wait! Susan Shain is a contributor to The Penny Hoarder. Former SEO analyst Jacquelyn Pica assisted with research. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Michael’s: Free Clay Pot Scarecrow Event on September 28th

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

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10 Colleges That Offer Free Tuition for Seniors
Monkey Business Images / Shutterstock.com Seniors enjoy discounts for just about everything. Did you know that can even include the cost of higher education? Some schools think it’s a smart idea. Whether through a state-supported program or school-based initiatives, there are plenty of opportunities to learn — and earn credit toward a degree — without the burden of crippling... [...]
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How to Make Your First $100 From Blogging {free class}

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How to Make Your First $100 From Blogging {free class}
Are you a new blogger or a longtime blogger who still hasn’t figured out how to really make money from blogging? You don’t want to miss my new brand-new class on How to Make Your First $100 From Blogging. Best of all, it’s FREE! In this free class, you’ll learn: 5 tried and true ways YOU can make money from your blog today The #1 mistake most bloggers make that keeps them from earning an income My secrets for building a 7-figure blog on a shoestring budget Plus, you’ll have the opportunity to ask me your burning questions about monetizing a blog Go here to sign up for one of the two times I’m teaching it on Saturday or the one time I’m teaching it on Monday. The class will be about 50 minutes long and then I’ll allow 30 minutes extra at the end to answer your questions live. By the way, on these classes, I’ll also be unveiling my brand-new course, Monetize Your Blog: A Beginner’s Guide to a Profitable Blog. You’ll be one of the first ones to have the opportunity to sign up for it! P.S. If you can’t make it to the live class, still go ahead and sign up because I’ll be sending you a replay of the class once it’s finished. [...]
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*HOT* Up to 60% Off Columbia Pants For The Family + Free Shipping!!

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

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FREE subscription to Real Simple Magazine + Sports Illustrated for Kids
This post may contain affiliate links. Read my disclosure policy here. Yay! This super popular deal on a free subscription to Real Simple magazine has finally returned, plus you can get a free Sports Illustrated subscription, too! I just got a completely FREE subscription to Real Simple Magazine AND a completely free subscription to Sports Illustrated for Kids from Rewards Survey. Here’s how: I signed into my Rewards Survey account (if you don’t have an account, sign up here — it’s free!) I took a short survey that they offered me (it only took me about two minutes). As soon as I took the survey, they offered me $30 in free rewards points that I could spend on a number of different magazine subscriptions. I chose to get Real Simple magazine. You just fill out a simple form and click the “x” in the corner for any additional offers that pop up. After I had ordered my subscription to Real Simple magazine — completely FREE! — I was offered the option to take another survey. So I said yes. I took the second survey (again it only took me less than 2 minutes) and I was offered more magazines I could order for free. I chose to get Sports Illustrated for Kids. Again, I clicked the “x” in the corner for any additional offers that popped up and got the free subscription. Note: I didn’t have to give any card information, so I won’t be billed ever nor will my subscription auto-renew. (Please be sure to NOT put your credit card information in, or you’ll be billed extra charges for extra offers. You should be able to get this freebie without any payment information!) Go sign up and get your free subscriptions! And let me know which magazine subscription(s) you choose! I can’t wait to get my FREE magazines in the mail… and Silas is going to be excited about getting Sports Illustrated for Kids! [...]
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Amazon Prime Student | FREE 6-Month Trial!

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

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Have you signed up for your FREE Harry’s Shaving Bundle yet?!
If you haven’t tried Harry’s yet, you can currently get a FREE shaving bundle! All you’ll pay is shipping! Harry’s is offering a free three-piece Shaving Bundle right now. You just pay $3 for shipping. This is valued at $13! In this free set, you’ll get two weeks’ worth of shaving supplies from Harry’s: a Truman razor with a blade (choose from one of three different different colors), foaming shave gel, and a travel blade cover. I ordered this and was very impressed with what I got for $3 shipped! The razor was seems to be really high quality and I loved the rubberized handle (and it’s fun that you get to choose the color!) I chose the orange handled razor although I’m not really sure why! I think if I were to do it again, I would choose the blue. Oh well! When you sign up for this Shaving Bundle, it signs you up for a subscription to Harry’s razors, however, you can choose to cancel before they send your next shipment. I ordered this and I chose the 5-month option (see above). They said that they will email you before they send your next shipment and you can cancel your subscription then if you don’t want to continue getting shipments. Or, go ahead and cancel it as soon as your first order ships above so you don’t accidentally forget. I went in and cancelled my subscription after my box shipped and it was SUPER easy to do. Hesitant about Harry’s? Check out this recent Harry’s review from a reader: “I’ve been using Harry’s since this past December and I must say that their products and customer service are GREAT! I also took them up on their mystery product and ALWAYS get an item much more valuable than what they charge. I received the BEST customer service email that I have ever received from ANY company that I’ve done business with. I was so pleased that I emailed them back to thank them for such a nice, friendly email and they replied-pronto! AND their blades are really nice! I get auto shipping every 3 months, but these blades start sharp and stay sharp for much longer than those I used to buy in stores. As a disabled ARMY veteran I chose the OD Green color razor, which too, is a wonderful product. The weight of the razor makes shaving so much more enjoyable and effective. I really think that you’ll enjoy these products!” Here’s how to get this deal: Go here and click on the “Get Started” button (right at the top). Follow the steps on your screen and choose how often you’d like to receive future shipments. Go to checkout and you’ll just pay $3! Woohoo! Just $3 out of pocket for the set! Let me know if you’ve ordered from Harry’s before or have a subscription. I’d love to hear your thoughts. Also, see my Completely Honest Review of Dollar Shave Club. (And you can get a Starter Set from Dollar Shave Club for just $5 shipped here.) [...]
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35 Online Stores That Offer Free Shipping With No Minimum Order

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

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

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

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

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Free Printable Back to School Shopping Planner
Grab this free planner to help with all your Back To School shopping! Download a free printable Back to School Shopping Planner! It includes budget pages, sales trackers, price trackers, shopping lists, and more. Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. [...]
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5 Places to Get Free or Cheap Chicken Wings on Monday

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5 Places to Get Free or Cheap Chicken Wings on Monday
National Chicken Wing Day is right around the corner — Monday, July 29. And several restaurants will be serving up free or cheap wings to celebrate. Buffalo, New York, Mayor Stan Makowski declared the first National Chicken Wing Day on July 29, 1977, and people have been partaking of the bird on that date ever since. Following are a few restaurants where you can get a deal on wings on Monday. [...]
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Free Workshop: How to Write Your First Book in 90 Days

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Free Workshop: How to Write Your First Book in 90 Days
Have you ever thought about writing a book? If so, you’ll want to sign up for the free workshop on how to write and launch your first book in 90 days. Do You Want to Publish a Book? Do you have an idea for a book? Or have you ever wondered what the book-writing process was like? Would you love to hear from someone who successfully self-published a book and become a best-selling author? On Tuesday (July 23, 2019), I’m hosting a free live workshop with Chandler Bolt on how to become a published author. Chandler‘s story is so inspiring — he went from being a college dropout to a 6-figure business owner and bestselling author in less than two years! In this live workshop, Chandler will walk us through the exact steps you need to take to go from Blank Page to Published Author in 90 days…in just 30 minutes each day. (Click here to register for free.) Chandler’s students have had massive success implementing the same steps you’re about to learn. In fact, he’s had at least one student publish a book every single day for the last year. What You’ll Learn in This Free Workshop In this workshop, Chandler will share: The 3-Step System he uses to write, publish, and launch a bestselling book in as little as 90 days. (And how to use your book to leave a legacy.) How Chandler wrote his first book – 200+ pages – in just 1 week (and how you can, too). An approach to find your book idea in under an hour – and turn your idea into a finished book in just 3 steps and a few hours. How to leverage your book to grow your authority, income, and business. All the details on how Chandler made $4,000/month in book royalties with his first book. Go sign up to join us at this Free Live Workshop here. [...]
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Save up to 60% and Get Free Shipping at Children’s Place

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Save up to 60% and Get Free Shipping at Children’s Place
  These deals are still going on – seriously, don’t miss out on them! NOW is the time to shop for back to school! The kids need new tees, shorts, jeans — or even uniforms! The Children’s Place is geared up already and has some amazing ways for you to save!  Right now, the entire ... Read More about Save up to 60% and Get Free Shipping at Children’s Place The post Save up to 60% and Get Free Shipping at Children’s Place appeared first on Penny Pinchin' Mom. [...]
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*HOT* Up to 70% off Columbia Apparel & Shoes + Free Shipping!!

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

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The Secret to Getting Dollar Store Items for Free
At most types of stores, a $1 coupon shaves a buck off the price you pay for an item. But at the dollar store, a $1 coupon gets you something for free. Yes, you can use coupons at many dollar stores. Major chains offer their own coupons or accept manufacturer coupons — or both — as we detail in “7 Secrets to Saving More at the Dollar Store.” So in theory... [...]
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Read Up, Parents! 14 Simple Ways to Get Free Kids’ Books

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

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How to Get Free or Cheap Museum Admission
A trip to the museum can deliver a much-needed dose of history and culture; after all, you can’t get up close and personal with dinosaur bones or Vincent van Gogh’s expressive brush strokes just anywhere. Accessing precious artwork, artifacts and experiences might seem like it could put a strain on your budget, but there are... Lauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. The article How to Get Free or Cheap Museum Admission originally appeared on NerdWallet. [...]
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*HOT* Get 65% off Adidas Shoes + Free Shipping {Last Chance!!}

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*HOT* Get 65% off Adidas Shoes + Free Shipping {Last Chance!!}
This post may contain affiliate links. Read my disclosure policy here. If you haven’t had a chance to check out these HOT deals on Adidas shoes, be sure to do so today! This sale ends tonight. This HOT promo code ends tonight!! Right now, Adidas is having an End of Season Sale where you can save up to 50% off select shoes and apparel! Shipping and returns are FREE. Plus, through July 5th, if you’re an Adidas Creators Club member (free to join!), you can save an extra 30% off when you use the promo code SAVE30 at checkout! (Note: You MUST be logged in to get this code to work for you.) Here are some deals ideas… Men’s Cloudfoam Racer TR Shoes – $38 (regularly $75) Use promo code SAVE30 (30% off) Shipping is FREE $26.60 shipped after promo code Adidas Women’s Quesa Running Shoes – $38 (regularly $75) Use promo code SAVE30 (30% off) Shipping is FREE $26.60 shipped after promo code Adidas Men’s Lite Racer Shoes – $35 (regularly $70) Use promo code SAVE30 (30% off) Shipping is FREE $24.50 shipped after promo code Adidas Kids Seeley Shoes – $28 (regularly $55) Use promo code SAVE30 (30% off) Shipping is FREE $19.60 shipped after promo code Kids Lite Racer CLN Shoes in cloud white and grey – $25 (regularly $50) Use promo code SAVE30 (30% off) Shipping is FREE $17.50 shipped after promo code Women’s Purebounce+ Street Shoes in white and grey – $40 (regularly $80) Use promo code SAVE30 (30% off) Shipping is FREE $28 shipped after promo code Shop the Adidas sale here. Valid through the end of today, July 5, 2019. Thanks, Hip2Save! [...]
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Free Things to Do in Minneapolis, Minnesota

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Free Things to Do in Minneapolis, Minnesota
Looking for free things to do in Minneapolis, Minnesota? Here are some places our family visited and did on a recent road trip there. Want more free and cheap road trip ideas? Check out my 14-day series on our East Coast Road Trip. Also, check out my post on Free Things to Do in Madison, Wisconsin. Free Things to Do in Minneapolis, Minnesota If you missed yesterday’s post about our impromptu road trip a few weeks ago, check it out here. On Day 2 of our impromptu road trip, we had planned to spend the day in Minneapolis. Many of you had given us suggestions and we were so excited to explore this area. Only, we woke up to cold and rain. So, we came up with Plan B — which involved spending most of the day at the Mall of America. Mall of America We’ve always wanted to visit MOA and we really loved our experience there. Someone commented online about how that was the least frugal place to go and I had to laugh! You see, MOA is only expensive if you actually buy stuff at it! If you just walk around and look at the stores and displays like we did, it’s a completely free thing to do in Minneapolis, Minnesota! Fun fact from their website: “MOA does not use a central heating system; instead, 70 degrees is maintained year-round with passive solar energy from 1.2 miles of skylights and heat generated from lighting, store fixtures and body heat.” Our kids’ favorite stores were the Crayola stores and the LEGO stores. Silas and Kaitlynn decided to use some of their money to buy a Pick a Brick Bucket. We had fun at Five Below — and can you believe I’d never been in that store before? I was definitely impressed. We did end up buying a few cool travel games for the kids for the long car drive home. We also went to the Gucci section at one of the stores and just about fell over when we saw the prices. No offense to anyone who wears Gucci (though I’m guessing if you read here, you likely don’t!), but, to me, the clothes looked like something I would find at an outdated thrift store. Clearly, I’m very hip and up with the times! 😉 But basically, you could buy a decent used car for the same price of most of the clothing items!! BurgerBurger We wanted to get a late lunch, so I got out my phone and searched, “Cheapest places to eat at Mall of America.” One of the places it pulled up was BurgerBurger. We discovered they had a Happy Hour from 3-6 p.m. where you could get $2 off burgers. It was getting close to 3 p.m. at this point, so guess what we did? Of course we waited until 3 p.m.  You had to order from the bar to get the Happy Hour prices, but we asked and they said you could order anything off the menu and did not need to order alcohol to get the Happy Hour prices. The wait was a little long to get our food, but it was worth it because the burgers were truly amazing! IKEA There is an IKEA right across from MOA and none of us had ever been before. So, once the rain let up, we decided to walk over and check it out. Since I’d heard so much about IKEA for so long from many, many people, I think I had set the bar really high for what it was going to be. Unfortunately, I was underwhelmed with it because of my very high expectations. I have been told that this IKEA is small and not as great as other IKEA stores, though. So maybe that was it? The kids had fun pretending to sleep on the beds and I loved looking at the small space setups (I dream of someday living part-time in an RV.) We were all hungry again, so we got some food at IKEA. I’d say that the food was probably the most impressive part! 🙂 We all loved it and the prices were quite good, too. Minnehaha Falls One good thing about the rain? It meant that we got to see Minnehaha Falls when it was raging. And I do mean raging! This was the highlight of the day — and maybe even the trip! If you get a chance to check out Minnehaha Falls, definitely do so — especially if it’s on a day when it has rained! We met a local who told us that the river leading to the Falls was higher than he’d ever seen it. And he told us it was 2 inches lower than the highest it had ever been recorded! This was looking down onto the Falls from the top. I couldn’t believe they didn’t have it fenced off or something! It was rushing at such a ferocious speed it was pretty breath taking and mesmerizing! What are your best tips and suggestions for free things to do in Minneapolis, Minnesota? Let us know in the comments! [...]
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*HOT* Kindle Unlimited Trial: FREE 3-Month Subscription ($29.97 Value!!)

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

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Free Things To Do in Madison, Wisconsin
Looking for free things to do in Madison, Wisconsin? Here are some places our family visited and did on a recent road trip there. Want more free and cheap road trip ideas? Check out my 14-day series on our East Coast Road Trip. An Impromptu Road Trip to 3 States A few weeks ago, we took a sort of impromptu road trip to Wisconsin, Minnesota, and Iowa. If you’ve been following along here, you know our family goal to visit all 50 states and 7 continents by the time Kathrynne is 18 (she’s currently 14 and before this trip, we had 16 states and 5 continents to go). We only had 5 days to hit the 3 states, so we decided to just pick one city to focus on in each state. After looking at the map, we looked at routes, and we ended up picking Madison, WI, Minneapolis, MN, and Des Moines, IA. We had such a fun time in Madison and Minneapolis that I wanted to devote an entire post to each city to share photos and some of free and cheap things we did in Madison, WI and Minneapolis, MN. (Note: It was pouring rain and cold the whole time we were in Iowa so we didn’t end up getting to do much there. We’ll have to go back!) Free Things to Do In Madison, Wisconsin Jesse and I had both been to Wisconsin before many years ago, but the kids had never been. And none of us had ever been to Madison. I did what I often do when we visit a new area and asked on Facebook and Instagram for your best suggestions of free and frugal things to do. You all give the best recommendations! I went through all of them and picked the top places that were suggested over and over again. And here’s what we ended up doing… Olbrich Botanical Gardens First off, we went to the Olbrich Botanical Gardens. Many of you had suggested this and you were so right. The gardens were gorgeous! (It was also a completely beautiful day, which made the experience that much better!) Admission to the outdoor gardens is completely FREE! There are 16 acres of gardens to walk through including: A Thai Pavilion and Garden (This Thai Pavilion is the only one in the continental United States and the only one outside of Thailand surrounded by a garden.) Rose Garden Perennial Garden Sunken Garden Herb Garden We loved the Rose Garden and the Herb Garden the best. They had a sundial in the Rose Garden that the kids had fun trying to read. We also found a nest of baby birds! They seemed crazy hungry (aren’t baby birds always hungry, though??) and we waited awhile to see if the mama bird would come back. We were afraid that she might dive bomb us if we got too close so we had someone watch out for her while I took a picture and video. 🙂 There is also an indoor Tropical Conservatory that costs $2 per person for admission. It is probably fantastic, but we were happy to just visit the free gardens! Ian’s Pizza I asked for restaurant recommendations and this Ian’s Pizza was one you all recommended over and over again. And you were again correct — it was delicious and had such a fun vibe! Ian’s Pizza sells a variety of unique pizzas — by the slice. Or, you can order a full pizza and customize it. We ordered a large pizza that was half Mac & Cheese (it was delicious!) and half Macadilla Killa. Plus, we ordered a side of 9 breadsticks. Our total was around $25 and this was more than enough to fill us all up (plus we took some leftovers back to the hotel!) Excitement Outside the Capitol Building We had parked close to the capitol building (parking was free on the weekends), so after a very late afternoon lunch, we went to explore the capitol. It’s free and open to the public, too. We were detoured from visiting the capitol building by two ambulances and a lot of police cars with sirens blaring. They all pulled up up at a bus stop right outside the capitol building. We weren’t sure what happened, but it appeared maybe two guys had gotten into a fight and gotten hurt. I’ve never seen something like that up so close and I felt a little weird just watching the whole thing, but it was also kind of fascinating to see it all go down, too. (I don’t know that fascinating is the right word because these were people’s lives we are talking about. However, it felt like a scene from a movie or something! Gratefully, it appeared like both men were going to be okay and they both were conscious and breathing on their own when they were put on the ambulances and taken to the hospital.) Wisconsin State Capitol Building After that commotion outside the capitol, we finally made it inside. It was pretty incredible — as most capitol buildings seem to be! We had heard that there was a cool observation deck on the 6th floor so we went about figuring out how to get to that. We walked up a bunch of stairs and tried multiple elevators (some only went to certain floors, etc.) I couldn’t believe they just let you explore like this! We finally asked the security guard at the front desk how to get up to the top. It was then that we found out that they don’t let anyone up through the special elevator 30 minutes before closing! We had literally walked in the door 29 minutes before the building closes. Oh well! At least we had quite a fun time trying to find it! 🙂 Henry Vilas Zoo We then headed to the Henry Vilas Zoo — a FREE zoo in Madison, Wisconsin. I honestly couldn’t believe it. It’s small and it was pretty crowded, but you can’t beat the price point of free! And it far exceeded my expectations of what a free zoo would be! To my knowledge, I don’t ever recall actually seeing a real badger. So that was cool to see! Our favorite exhibit, by far, was the Polar Bear exhibit. Not only cannot ever remember seeing a Polar Bear, this guy was in rare form and showing off for us! Vilas Park Right outside the zoo was the Vilas Park beach. It would be a fun place to take a picnic or to swim in. It was also free and open to the public. We didn’t have bathing suits on, but Silas and Kathrynne still got into the water for a bit! The Cheese Chalet Many people had told me we couldn’t come to Wisconsin without getting cheese curds. So we stopped at The Cheese Chalet on the way out of Madison to pick some up. They had so many different kinds of cheese! I wasn’t sure of the best kind of cheese curds to get (I forgot to ask you all about that!), so I just played it safe and went with marbled! Culver’s I had no idea the “cult following” that Culver’s has until I asked where we should eat in Madison. I learned that there will be one answer and one answer only for that question: Culver’s! We actually have a Culver’s in our area, but I think Jesse has only taken the kids one time and that was a few years ago. I thought it was just a typical fast food place, but I was actually pretty impressed with it! We each got to pick one treat (mine was the flavor of the day with double whipped cream — yum!). Needless to say, I’m pretty sure we will be back to Culver’s soon! What other suggestions do you have for free or cheap things to do in Madison, Wisconsin? Tell us in the comments! [...]
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*HOT* JCPenney: Buy 1, Get 2 Free Women’s Sandals

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*HOT* JCPenney: Buy 1, Get 2 Free Women’s Sandals
This post may contain affiliate links. Read my disclosure policy here. Do you need new sandals for summer? JCPenney is currently offering Buy One, Get Two Free on select women’s sandals! JCPenney is offering Buy One, Get Two Free select women’s sandals! There are over 100 styles to choose from! No promo code is needed. Just add three pairs to your cart and you’ll see the discount at checkout. Choose in-store pickup to avoid shipping costs. Valid through June 26, 2019. Thanks, Freebie Radar! [...]
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How to Homeschool for Free or Cheap

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How to Homeschool for Free or Cheap
Interested in homeschooling but afraid it might break your family’s budget? Read this post for some really great tips on how to homeschool for free — or very close to free! {Don’t miss our weekly round-up of all the best FREE homeschool curriculum & resources! And you can also check out my Top 10 Favorite Free Homeschool Sites here.} Guest post from Jessica of Where’d My Sanity Go: Yes! It is possible to homeschool for free or cheap! Once you dig into all the homeschool curriculum products available, it can be overwhelming. When you check out the prices on those bad boys, it can get scary. Don’t worry though, there are a lot of ways to give your child a great education at an affordable price. Some of the homeschool lessons and curriculums we use are completely free! So if you’re wondering how to homeschool for free, here are my top tips… Use what you’ve got: Search your home for any books you may have forgotten about. When I started out, I had no idea how I was going to afford all the things I thought I needed. Luckily, my son had a ton of nature and science books already. I used these to build a few of my lessons for him, and we had a set of dictionaries we used for spelling lessons and other subjects. Borrow: If you already know of other homeschool families in your are, ask them if they have any old schoolbooks or homeschooling curriculum books they aren’t using and that you might borrow for a while. If you’re not familiar with any other homeschool families in the area, look on Facebook for local homeschool groups or ask your friends and family, your church, or even your local schools. When I pulled my son out of public school, they were kind enough to give me some information about local homeschool programs. Shop for used books: Check local garage sales, used bookstores, and other local stores for discounted items. Join a few Facebook groups where people are selling their used homeschool books for dirt cheap. I have saved so much money by doing this and hardly ever purchase anything brand new. Before buying anything, I always first search for used homeschool supplies or books. Utilize free homeschool resources There are tons of free online homeschool curriculum options out there. You don’t have to stick with just one either, you can take different lessons from multiple online curriculums to fit your educational outline. A few popular free curriculums: Easy Peasy – All In One Homeschool – 180-day lesson plans for PreK-8th. (this is one of our favorites) Khan Academy – Free online lessons for just about any subject. K12.com – Independent teacher-led courses for homeschoolers. YouTube — there are a ton of educational YouTube channels out there that are perfect for supplementing your homeschool curriculum. You can find different channels that range from preschool to high school subjects. Finding affordable or free homeschool educational materials or curriculum is not as hard as you think! I recommend scouring the internet to find out what’s available. Join local homeschool groups, find local Facebook groups, etc. Several of our local homeschool families often get together for different field trips — many places even offer homeschooling families a discount on tickets! Do you have any other advice on how to homeschool for free? I’d love to hear in the comments! Jessica Fuqua is the owner/editor of Where’d My Sanity Go, where she often writes about family, parenting, and homeschooling. [...]
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*HOT* Free $5 Starbucks Gift Card with $25 Gift Card Purchase

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*HOT* Free $5 Starbucks Gift Card with $25 Gift Card Purchase
Love Starbucks? Get a free $5 gift card when you purchase a $25 Starbucks gift card. Today only, you can score a free $5 Starbucks Bonus eGift Card when you purchase ANY Starbucks eGift Card worth $25 or more in the Starbucks mobile app! Just log in to the mobile app and check your inbox to find this offer. If it’s still available, you can click on the “buy now” button to get this deal. This is only available for the first 150,000. Limit of one per account. Psst! You should also check and see if you got the limit access Starbucks deal on Groupon today!! Thanks, Freebie Shark! [...]
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Free Subscription to Rachael Ray Magazine

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Free Subscription to Rachael Ray Magazine
Get a free subscription to Rachael Ray magazine. Sign up for a free two year subscription to Rachael Ray Every Day magazine. Thanks, Freebie Radar! [...]
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Dick’s Sporting Goods: Buy One, Get One Free Sxiron Golf Balls

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Dick’s Sporting Goods: Buy One, Get One Free Sxiron Golf Balls
This post may contain affiliate links. Read my disclosure policy here. Here’s a great Father’s Day gift idea! Get Buy One, Get One Free Sxiron Golf Balls at Dick’s Sporting Goods! Right now, Dick’s Sporting Goods is offering Sxiron Golf Balls on sale Buy One, Get One Free! Prices start at just $19.99 so you’ll pay only $9.99 per package after the deal. Choose free in-store pickup to avoid shipping costs. Thanks, Passionate Penny Pincher! [...]
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Kroger 2-Day Sale: FREE Dannon Danimals, $0.99 Yoplait Go-Gurt, plus more!

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Kroger 2-Day Sale: FREE Dannon Danimals, $0.99 Yoplait Go-Gurt, plus more!
Head to Kroger this weekend to score some great deals with these e-coupons! This weekend, Kroger is offering some great deals when you download the digital coupons! Limit 5 per deal. I’m especially excited about the deals on Danimals and Go-Gurt! Buy (up to 5) Dannon Danimals (6 ct) – 2.50 (thru 6/11) Use $0.99 Dannon Danimals (6 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) Pay $0.99, Submit for $1.00/1 Dannon Danimals; Includes 6 ct Ibotta Rebate – Limit 5 Free after coupon and cash back Buy (up to 5) Yoplait Go-Gurt (8 ct) – 2.50 (thru 6/11) Use $0.99 Yoplait Go-Gurt (8 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $0.99 after coupon Buy (up to 5) Frito Lay or Frito Lay Simply Multipack (16-18 ct) – 6.99 (Reg Price) Use $4.49 Frito Lay or Frito Lay Simply Multipack (16-18 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $4.49 after coupon Buy (up to 5) Coleman Propane (16 oz) – 4.99 (Reg Price) Use $3.49 Coleman Propane (16 oz) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $3.49 after coupon Buy (up to 5) Gillette or Venus Disposable Razors (3-5 ct) – 6.99 (Reg Price) Use $3.99 Gillette or Venus Disposable Razors (3-5 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $3.99 after coupon Buy (up to 5) Olay Daily Facials (33 ct) – 6.99 (thru 6/11) Use $3.99 Olay Daily Facials (33 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $3.99 after coupon Valid June 7-8, 2019 only. Thanks, Kroger Krazy! [...]
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9 Ways to Get Cheap or Free Veterinary Care for Your Pet

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9 Ways to Get Cheap or Free Veterinary Care for Your Pet
One day I noticed my puppy was acting strangely. She walked a few steps, stumbled, fell over and slowly got back up, only to fall over again. I realized her tummy was extremely bloated. I rushed her to the vet. The vet examined her for a few minutes and started to chuckle. Then my puppy let out a bellowing burp, and the vet actually started to laugh. When he asked me if I had left dog food out... [...]
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Free Summer Reading Programs 2019

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Free Summer Reading Programs 2019
If you’re looking for summer reading programs for kids, this is our comprehensive list of all the completely FREE programs! {Looking for other fun summer deals? Kids can bowl for free and skate for free at many participating locations this summer! And don’t forget to stop by Sonic after 8 p.m. for half-price ice cream shakes!} Believe it or not, it’s almost that time of year again — when school is out and summer reading programs abound. Yay! (Well, some of you might not be saying “yay!”, but we do because my kids LOVE them some summer reading programs!) Free Summer Reading Programs 2019 Do your kids love to read, too? If so, this is our big list of all the FREE summer reading programs that are available nationally! Amazon — Kids who read any eight books this summer can bring their list of books read to the nearest Amazon Retail Store to receive a Star Reader Certificate and their choice of a free book. Audiobook Sync — SYNC will give away two complete audiobook downloads per week for teens 13+. Sign up to get notifications when the free audiobook downloads are available. Barnes & Noble — Earn a free book through the Barnes & Noble Summer Reading Program for kids in grades 1-6. Read any eight books this summer and record them in your Summer Reading Journal (English or Español ). Tell them which part of the book is your favorite, and why. Bring your completed journal to a Barnes & Noble store between August 1st and August 31st, 2019. Choose your free book from the books listed on the back of the reading journal. Books-A-Million — Read any four books from the Summer Reading Adventure section in-store or online and receive a free drawstring backpack (while supplies last). Half Price Books — Kids 14 or younger can read 15 minutes per day to reach a total of at least 300 minutes. After that, they can take their completed reading log to their local store to earn Bookworm Bucks before August 29th. (In addition, they have a summer reading program for teens.) Lifeway Stores –– Read six books over the course of the summer and memorize six Scripture verses. Then, complete your journal and the online form to redeem your prizes (Choose from one of nine books, plus receive a free Bible, while supplies last). This program is geared toward grades 1 through 6 and even toddlers, ages 1 to 5. However, all are welcome to join in the adventure! Scholastic — Kids can enter their summer reading minutes online to unlock digital rewards as they complete weekly reading challenges and access book excerpts, videos, and other summer-exclusive content. Showcase Cinemas — Bookworm Wednesdays entitles kids to free admission to a select children’s film when they present a book report at a participating Cinema de Lux, Showcase, or Multiplex Cinemas box office. Accompanying parents or guardians and children under six years of age receive free admission and do not need to submit a book report. Local Libraries — Above all, don’t forget about your local library! Most of them offer fun summer reading programs with prizes and more. Psst! Don’t forget about the Pizza Hut Book-It Program that runs each school year! Do you know of any other Summer Reading Programs we should add to this list? Let us know in the comments! [...]
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Free Toy Story 4 Movie Ticket when you buy 3 Almond Breeze Products!

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Free Toy Story 4 Movie Ticket when you buy 3 Almond Breeze Products!
Love Blue Diamond Almond Breeze products? Buy three and get a free Toy Story 4 Movie Ticket! Through August 2nd, score a free Toy Story 4 Movie Ticket when you buy 3 Blue Diamond Almond Breeze products! Simply purchase the products in one transaction by August 2nd and then upload your receipt by September 2nd. Thanks, Freebie Shark! [...]
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How to Start Trading Stocks for Free (and With No Minimum Balance Requirement)

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How to Start Trading Stocks for Free (and With No Minimum Balance Requirement)
We all have that friend. The one who’s constantly checking the stock market like it’s a game and mumbling things like, “Ugh, I should’ve traded that yesterday!” You roll your eyes, but you also wonder: What am I missing out on? Many financial experts encourage young people to invest in the stock market. Sure, it comes with risk, but it could pay out long term. The only thing is… where do you start? Lord knows you don’t want to ask that friend. Instead, you can start with as little as $1 and open fee-free account with SoFi Active Investing. Investing for Beginners: Don’t Pay to Play SoFi Active Investing leans into a “learn by doing” approach. That means you can experiment with buying and trading stocks — no fees and no account minimums attached. If you buy something and immediately regret it? You can trade it seconds later. No penalty. (Honestly, it’s perfect for those of us with commitment issues.) But maybe you have questions before you get to the whole buying and trading part… Take all the time you need to explore stocks through your SoFi dashboard. For example, maybe you’ve heard everyone abuzz about Roku stock. Search for it on your dashboard, and you’ll see that SoFi has outlined the stock’s market price, its performance history and even recent company news hits — everything you need to know to make an informed decision is right there. Pro tip: Add stocks you’re interested in to your SoFi watchlist. There, you can monitor their daily performances. Like what you’re seeing? Make a move as soon as you’re ready to buy. If you want some human input? Reach out to a SoFi financial adviser for free via phone, email or chat at any time. How to Open a Fee-Free Investing Account Are you ready to give this whole investing thing a try? Here’s how to start: Sign up here by clicking “Invest Now.” Connect your bank account. This will fund your investments. (There are bank-level layers of security, and SoFi won’t store your info, so you’re safe!) Ready to go? Click “Add Buying Power” to deposit money into your SoFi Active Investing account. Choose a one-time transfer or set up recurring monthly transfers. It’ll take up to four business days for this money to land in your SoFi account. From there, invest the money from your SoFi account into stocks of your choice. Don’t feel like you’re marrying these stocks. You can buy and trade fee-free at any time the market’s open, but remember: Some of the smartest investors suggest riding out the market’s ups and downs long term for the greatest gains. Oh, and if you want to really get serious? Download the SoFi app. Then, when that friend starts talking about stocks, you can add your two cents. Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. Her boyfriend inspired the character of that friend in this article. 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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