Up to 64% off PlayMonster Games and Toys!

Up to 64% off PlayMonster Games and Toys!

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Up to 64% off PlayMonster Games and Toys!
This post may contain affiliate links. Read my disclosure policy here. Today only, Amazon is offering up to 64% off PlayMonster Games and Toys! Here are some deals you can score… Get this PlayMonster 5 Second Rule Game for only $7.99! Get this The Game of Things for only $8.99! Get this Relative Insanity Party Game for only $7.99! Get this MOLUK Plui Rain Cloud Tub Toy for only $9.02! Get this Patch ProductsToss-Up Dice Game for only $5.05! Get this MOLUK Bilibo in multiple color options for just $20.99! Shop the PlayMonster sale here. Valid today only, December 4, 2019. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon.
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Our December Bucket List for This Year

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Our December Bucket List for This Year
One of the most requested podcast episodes has been for us to talk about our Christmas traditions, what Christmas looks like for our family, and how we do gifts for our immediate and extended family. In this episode, we sat down with Kathrynne, Kaitlynn, and Silas and had a discussion on our favorite Christmas memories, why we make a December Bucket List, what we chose for our bucket list this year, some things we’re doing differently for Christmas this year, how we do gifts, and what Christmas Eve and Christmas Day look like for our family. One of our biggest goals for each December is to keep things simple, not over-commit, and focus on memory-making and shared experiences. We sit down at the end of November and talk about what we want to prioritize for the Christmas season and then we make a list and block out days and times on the calendar to make these priorities happen. We’re excited about some new things we’re trying this year and we’re looking forward to another special December season of celebrating the true meaning of Christmas and spending lots of time together as a family! In This Episode:  [01:58] We kick off the show by each sharing one of our favorite Christmas memories. [07:29] Want to know what’s on our December Bucket List this year? [11:16] Hear about our Dollar Tree stocking tradition and why we’re stepping it up this year. [13:16] How we do presents at our house. [15:45] Giving is something that is always a big priority for us, thanks to the kids’ initiative in this area! [18:00] What does our actual Christmas Eve and Christmas Day celebration look like for our family? [21:38] The kids share our quirky wrapping tradition. Links and Resources: Dollar Tree Stocking Stuffers Jesse Tree Ann Voskamp She Reads Truth He Reads Truth Crystal’s Favorite Things on Amazon CrystalPaine.com MoneySavingMom.com Crystal’s Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player we’ll include in the show notes of each episode. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support! [...]
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7 Everyday Items You Can Get Paid to Recycle

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7 Everyday Items You Can Get Paid to Recycle
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. Why toss things in the trash when you can repurpose or recycle them?  In addition to diverting items from the waste stream and keeping them out of landfills, you can also make extra money or help out worthy causes. From scrap metal to ink cartridges, bullets to construction materials, you can recycle a huge variety of items in exchange for cash or goodwill. Ready to see all the different things you can recycle for money? Find a Collection Point To find a recycling center near you, head over to Earth911.com and plug in the item you’re looking to recycle along with your location. The site lists collection locations for everything from antifreeze to ammunition. Of course, not everything pays, but it’s important to properly dispose of potentially hazardous items.  Prepare Items for Recycling Check with your local collection point for specific rules for preparing your recyclables for the collection center. Some centers require you to remove bottle caps, rinse and bag bottles in certain increments, or sort and tie together cardboard. Checking the rules before you go will save you time later on.  Be sure to properly bag items that may make a bit of a mess. Even if you thoroughly rinse all your bottles and cans, there might be water and other residue on them, so be sure to transport them in bins or bags to protect the interior of your car. If you’re donating a cell phone or other electronic item, be sure to clear your personal information from it, including contact lists, voice mails, text messages, photos, passwords, downloads and anything else that you wouldn’t want random strangers to access. Back up your information on your new phone, your computer or a cloud-based service, then restore your phone to factory settings before recycling it. 7 Items You Can Recycle for Money Depending where you live, you can get paid to recycle certain items. Here are some common recyclables and how to recycle them. 1. Scrap Metal Scrap metal is one of the more profitable materials to recycle. For this reason, scrap metal theft is not uncommon. Many local recycling programs fund their programs through scrap metal collection, so be sure to check your local rules or laws about collection. Copper, steel and aluminum are just a few of the scrap metals that you can recycle for money. Google your local area and “scrap yard” to find a facility that takes whatever metals you have and learn their procedures for drop off. Once you have rounded up your metal, find out if it is ferrous or non-ferrous by seeing if a magnet sticks to it. If it does, the metal is ferrous and likely a common metal like steel or iron. These items typically aren’t worth much, but it’s still worthwhile to recycle them. If the magnet does not stick, you likely have copper, aluminum, brass, bronze or stainless steel on your hands. These metals are more valuable.  You can make money recycling a variety of these metals. Copper is one of the more profitable metals: Some scrap yards offer over $2 per pound. Aluminum typically earns between 40 and 70 cents a pound, yellow brass can yield $1.40 per pound, and die-cast metal goes in the 30-cents-a-pound range, though local prices vary.  2. Bottles and Cans One Penny Hoarder writer made $1,500 cashing in soda cans he collected at work. You, too, can make money by rounding up bottles and cans, whether from work, friends and family, at events, or just the recyclables you use at home. California offers 5 cents for most plastic and glass bottles and aluminum cans smaller than 24 ounces, and 10 cents for 24-ounce or larger containers. It’s technically a bottle deposit, but many people don’t bother to collect their refunds, so it’s easy money for bottle and can collectors.  Michigan has a 10-cents per bottle recycling rate, which has prompted people to illegally smuggle in empty bottles purchased out of state to cash in. (This was even the plot of one Seinfeld episode!) Many states have similar deposit programs, so check what’s available where you live. 3. Car Batteries Advance Auto Parts offers a $10 store gift card to customers who bring in their used car batteries (light-duty truck batteries are also accepted). If the company doesn’t have an outlet near you, call your local auto parts stores to see whether they offer similar deals. 4. Ink Cartridges A number of office supply stores, including Staples and Office Depot accept used ink cartridges for recycling. Staples offers $2 back per cartridge, with a maximum of 10 returns per month, and you have to spend at least $30 on ink or toner within 180 days of recycling.  Office Depot also gives you $2 back in program rewards for each ink or toner cartridge you recycle, up to 10 cartridges per month. But you must also purchase ink from them the same month. There is no limit on the number of cartridges you recycle, but you will only receive points on the first 10 per month. You can use your points toward a number of different perks and discounts.  5. Electronics Eco-Cell is one of many companies that offers cash for old cell phones and other electronics. The company accepts working or broken phones, tablets, rechargeable batteries, circuit boards and a variety of other electronics. Even if an item is broken or was submerged in water and is unusable, Eco-Cell will accept it in order to divert electronics from landfills and properly dispose of their toxic components and metals. Many cell phone providers, including Verizon and AT&T, have trade-in programs where you can receive a voucher, gift card or other reward for turning in your old phone. Amazon Trade-in is another way to earn gift cards. A number of charities also accept cell phones, whether to re-purpose or sell and use the funds for a charitable purpose. Cell Phones for Soldiers refurbishes and sells your old phone to active-duty military members and veterans. If a phone is too old or broken, Cell Phones for Soldiers sells it to recyclers who strip it for parts and dispose of its metals responsibly. The proceeds from the sales go to purchase international calling cards for troops and provide emergency financial assistance to veterans. And of course, you can always sell your old phone yourself. 6. Junk Cars Your rusted old jalopy? You can recycle it for money. There are companies that pay cash for broken down cars.  Junk Car Medics is one, and you can sell your car to them online or over the phone. You enter details about your vehicle, such as condition and mileage, and quickly get an offer. If you accept it, you’ll have to provide proof of ownership and a few other details before you get paid. The company says most transactions are same-day, and they take the car away for you. 7. The Rest of Your Unwanted Stuff You can “recycle” belongings you no longer want on a variety of apps and platforms and get a little something back for them. ThredUp and Poshmark are popular second-hand clothing apps where you can sell your wares.  ThredUp will send you a free shipping label and apply credits for anything that sells to your own account, but it’s often not a lot of money. Poshmark offers bigger potential payouts, but you have to put in more work to make your items move. Letgo is a second-hand site where you can buy or sell just about anything you no longer use. Kristen Pope is a freelance writer and editor in Jackson Hole, Wyoming. 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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All the Best Cyber Monday and Black Friday Deals Still Available!

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All the Best Cyber Monday and Black Friday Deals Still Available!
Make sure you don’t miss out on any of the best Cyber Monday and Black Friday Deals with this round-up! This year has had a CRAZY amount of Cyber Monday Deals and Black Friday Deals, so we thought we’d round them all up in one post for you! Crystal’s Top 10 Picks: Get a year of Hulu at just $1.99 per month! Chromebook Cyber Monday Deals | Acer Chromebook for $124.99 shipped, plus more! Denise Albright 2020-2021 Planner Bundle for just $19.95 + shipping! Get over 50% off one of my favorite sweaters for Cyber Monday!! Oral-B Genius Pro 8000 Electronic Power Rechargeable Battery Electric Toothbrush for just $89.94 shipped (Originally $250)! Old Navy: Sherpa Pullovers for the Family only $10 today! *HOT* The Children’s Place: Fleece Pullovers and Pants just $4.99 shipped! Instant Pot 6-Quart 7-in-1 Programmable Pressure Cooker only $49.99 shipped! DaySpring Hand-Thrown Mugs for just $2.80 each! *HOT* TaoTronics Essential Oils Diffuser for just $6.99!! Cyber Monday Deals Still Available: Get 50% off ALL of my courses! Hypoallergenic Shredded Memory Foam Pillows for just $14.99 each, shipped! Amazon FreeTime Unlimited | 3 Months for just $0.99! {$29 Savings!!) Shark Vacuum Cyber Monday Deals *HOT* 61-Piece 3D Magnetic Building Tile Play Set only $19.49 (Reg. $100!) MUK LUKS Anais Moccasin Slippers only $12.99 shipped! Target: 40% Off Bedding and Bath! T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) only $14.99 shipped! Ring Video Doorbell with Echo Dot 3rd Generation only $79.99 shipped (Reg. $150!) *HOT* Free $5 Starbucks Gift Card with $20 Gift Card Purchase {Limited Quantity!} Carter’s: 7-Pack Baby Bodysuits only $10 shipped! 50% off Hydro Flask Bottles at REI! Carter’s: Toddler & Girl’s Leggings only $5 shipped! Cricut Explore Air 2 only $179.99 shipped, plus more! Dreamworks Holiday Collection DVD for just $6.99! HOT Deals on Marvel Action Figures! HOT Discounts on Play-Doh Sets, Playskool Toys, My Little Pony, Littlest Pet Shop, and Baby Alive Dolls! *HOT* HUGE Savings on Monopoly and Hasbro Games! HOT Cyber Monday Deals on LEGO, Lincoln Logs, Tegu Blocks, K’Nex, Playmobil, and Tinkertoys!! *HOT* Up to 50% off Nerf Toys! Keurig K-Mini Single Serve K-Cup Coffee Maker for just $42.49 shipped (Reg. $90)! Bose SoundSport Wireless Headphones for just $139 shipped!! Dinosaur Racetrack for just $16.99 shipped! Men’s Croft & Barrow Festive Microfleece Sleep Pants only $3.99! Converse Chuck Taylor All Star High & Low Top Sneakers only $25 shipped! Black Friday Deals Still Available: Holiday Doormats and Accent Rugs as low as $3.99! Dick’s Sporting Goods: 25% off Hydro Flask Bottles and Tumblers! Canon EOS Rebel T6 DSLR Camera Kit for just $260.99 shipped (Reg. $750)! Robotic Vacuum Black Friday Deals Apple Macbook Air for just $649.99 shipped (Reg. $999)!! Gift an Amazon Prime membership at 10% off! Women’s Sweaters only $7.99! Muk Luks Women’s Bootie Slippers for just $7.99 shipped! Elmer’s Rainbow Slime Starter Kit only $4.99! LEGO Classic Creative Fun Box for just $20! Dick’s Sporting Goods: Extra 25% off YETI Tumblers, Coolers and Mugs! *HOT* Sam’s Club Membership Deal | $50 in Savings! Echo Show 5 for just $49.99 shipped! Echo Dot 3rd Generation for just $22! HOT Deals on Dinosaur Toys!!! Matching Family Pajamas 60% Off! Get two holiday graphic shirts as low as $14.98 each, shipped! Women’s Boots only $19.99 at JCPenney! Royal Luxe White Goose Feather & Down Comforter (Any Size) for just $50.99 shipped!! *HOT* Pura Vida Bracelets Black Friday Sale | 50% Off Plus Free Shipping! LEGO Minifigures Series 19 Building Kit only $2.99! Nike Men’s Running Shoes only $29.99 shipped (Reg. $60!) Mega Bloks Building Basics Let’s Get Learning 150-Piece Set only $12.97! ABCmouse Deal: Annual subscription for just $3.75 per month! American Explorer Hardside Luggage for just $39.99 (Reg. $180)! *HOT* Roku Streaming Stick+ only $29! Kindle Black Friday Deals | Lowest Prices on Record! *HOT* Adventure Academy Annual Subscription for just $3.75 per month! Starbucks Black Friday Deal: Free Coffee & Tea in January with Tumbler Purchase Amazon Fire TV Cube for just $89.99 shipped! Black Friday Deals on Sony and Beats Headphones at Target! Fire Tablet Black Friday Deals | Lowest Prices on Record! *HOT* ReadingIQ Deal: Annual subscription for just $2.49 per month! {Silas loves this app!} *HOT* Amazon Fire TV Stick with Alexa Voice Remote for just $19.99! Step2 Modern Cook Kitchen Set for just $34.99! KiwiCo Promo Code: Get a box for just $7.98 shipped! We hope you grabbed some great deals over the past week! Also, be sure to sign up for our Hot Deals newsletter and join our Deal Seekers Facebook group so that you don’t miss out on any of the hottest, time-sensitive deals as soon as they go live throughout the rest of the holiday season! [...]
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It’s Cyber Monday: Here Are the Best Deals at Amazon

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It’s Cyber Monday: Here Are the Best Deals at Amazon
Not to worry if you missed out on any deals on Black Friday. Cyber Monday — today — brings plenty of second chances. In fact, on Amazon, you will find many discounts that are at least as steep as they were on Black Friday — as well as deals that weren’t even available on Black Friday. Just take a look at the hundreds of deals on Amazon’s Cyber Monday site. Or... [...]
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6 Easy Ways to Outsmart Porch Pirates and Protect Your Holiday Packages

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6 Easy Ways to Outsmart Porch Pirates and Protect Your Holiday Packages
The porch pirates got me good one holiday season.  I arrived home after a long day at work to find two empty packages on my front stoop. The thermal sweatshirt that was supposed to be a Christmas gift for my dad? Gone. The pricy face cream I bought for myself? Gone. And the townhouse I was living in, which was on a residential street, didn’t have security cameras.  There were plenty of places to tuck the packages out of sight, but the delivery person was either too busy or had done so only to be foiled later by the thieves. That was years ago. Now I can simply install a smart lock on my front door and have Amazon or Walmart deliver items directly to my living room. Thieves can’t steal your packages if there’s nothing on your doormat to yoink. But what if you’re trying to receive packages and deliveries without allowing our e-commerce big brothers to let themselves in on a regular basis?  6 Ways to Stop Porch Pirates Once and for All In a 2017 report, insuranceQuotes estimated that 25.9 million Americans had a holiday package stolen from their front porch or doorstep that year. And across the United States, 36% of consumers have reported having a package stolen at least once, at an average cost of $109.  Don’t want to be a part of that very sad group of people? Try one or more of these methods to deter package thieves when you’re doing your online holiday shopping.  1. Make Delivery Requests Some online ordering systems allow you to make delivery requests, like putting the package in a secure area. Making a request doesn’t guarantee that it will be met, but you may be surprised at how attentive delivery people are when dropping off your goods. “Leave on basement steps” or “upstairs neighbor can sign” are simple instructions that can help ensure your package gets to you. If you happen to run into your regular local USPS, UPS or FedEx carrier, you may be able to make requests in person. But keep in mind that your neighborhood delivery person may have the best intel on which bushes are ideal for concealing packages. 2. Work With a Neighbor If you know your neighbors — come on, go meet your neighbors — you can work together to thwart package theft. If you have alternating or overlapping schedules, swiping a package off their stoop — for good, not evil — means you can make sure it gets into their hands after dinner or whenever they get home.  3. Get Packages Delivered to Your Workplace Not every employer will welcome your holiday shipments with open arms, so check with your office manager to see if they’d mind signing for packages you don’t want to risk having delivered at home.  Hauling items home can be cumbersome later, but if you want eyes on a package ASAP, your workplace may be your best bet. 4. Pay for a Package Receipt Service This isn’t the cheapest option, but it may be the most secure. Some businesses offer to receive packages for customers for a small fee.  I once lived around the corner from a dry cleaner that always had a line at the counter. Why so popular? Not only did it offer quick cleaning services, but you could pick up your dry cleaning and your packages in the same trip — and the hours were convenient, too. 5. Get Your Stuff Delivered to an Amazon Locker It’s not quite as convenient as home delivery or the corner store, but if you’d rather have your Amazon package delivered to a secure location, add an Amazon Locker location to your account.  Amazon will deliver the package to the locker and when it’s ready for pickup, you’ll receive an email with a six-digit code to pick up the package from the self-service kiosk. Lockers are located in stores, apartment buildings and malls across the United States, which offers you convenient times to pick up packages on in the evenings or on weekends. And if you’re a Prime member, you get to use the lockers for free.  6. Watch Your Tracking Info Like a Hawk Ah, the beauty of technology. I can see the exact moment my package went from a warehouse plane to another warehouse and onto a truck. And I can see the moment it finally lands at my home. Tracking services may not prevent you from losing packages to theft, but the available tools can help you stay up to date on its path and estimated arrival so you can plan accordingly.  Frequently, you can sign up for text or email updates on your package’s journey, and if you miss a delivery you need to sign for, you can sometimes have the package rerouted to a shipping service center, like the UPS Store, so the delivery person doesn’t spend three days knocking on your door.  Pro Tip If you have the Ring doorbell camera, sign up for reports on the Neighbors App, where you can share info about package thieves if they hit your area. The postal service even offers Informed Delivery, which sends you images of small pieces of mail that are on their way to your mailbox that day. If you’re willing to make a bigger investment, home security systems like the Ring can also let you monitor your front door — and the police department can use the footage to track down the porch pirates. If the worst-case scenario happens, detailed tracking information and video can help make a case to your credit card company, which may reimburse you for lost or stolen packages, or it could help you get a replacement item from the retailer. Lisa Rowan is a former senior writer and producer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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5 Ways to Buy Discounted Gift Cards So You Can Save Big on Black Friday

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5 Ways to Buy Discounted Gift Cards So You Can Save Big on Black Friday
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. The concept of buying discounted gift cards is simple enough. You “stack” your savings by combining Black Friday sales with discounted gift cards as payment.  And most retailers let you use their cards in-store or online.  Here are five ways you can buy gift cards for less than face value. 1. Online Gift Card Vendors Sellers that specialize in gift cards normally sell them at face value, but they do have sales.  Typically, quantities are limited and the deals sell out fast, so check often. You can sign up on Doctor of Credit to receive phone notifications of these types of deals. 2. Discounted Gift Card Sites Many websites help you buy discounted gift cards with unused balances. Discounts vary according to demand, and from site to site.  Gift Card Granny currently shows that a Cold Stone Creamery gift is available for 14% off and a 1800Flowers gift card is available for 8% off.   3. Local Store Promotions I once bought gift cards for several retailers at Dollar General for 15% off. To find these deals, check weekly ads online for various stores near you. Gift card promotions are usually on or near the last page.   Gift cards at Sam’s Club (online and in-store) often sell at a discount, but the selection is limited and the best deals are usually for restaurants. You can currently get two $25 cards for Olive Garden, Subway or Starbucks — a total value of $50 — for $39.98 online. 4. Use a 5% Cash-Back Category Reward If you have a credit card that pays 5% cash back on certain categories, you can use it to get 5% back on gift cards for non-category retailers.  For example, Discover’s 5% categories currently include Amazon.com, Walmart.com and Target. Discover doubles your cash back after the first year, so you actually get 10% back if you’re a new card holder. Chase Freedom is another card with rotating 5% cash back categories (new ones every three months). Just remember that with both Chase and Discover, you have to activate your 5% bonus online at the beginning of each quarter. 5. Use Amex Offers If you have an American Express card, take advantage of Amex Offers to get discounted gift cards. Just watch for offers at places that sell gift cards. For example, my offers (each account theoretically gets different ones) once included a $10 statement credit for spending $50 at JCPenney. I can go to JCPenney, find their gift card rack, buy a $50 card for some other store, and get $10 back.  American Express says they’ll credit your account within 90 days, but it has never taken more than two weeks for my credit to appear.  You might even get gift cards for free. I used an offer of $10 back for any purchase at Newegg to buy a $10 Home Depot gift card — three times. There was no shipping charge, so I got $30 in Home Depot cards for free.  Get Ready for Black Friday   To prepare for Black Friday, you may have to guess where you’ll spend the most money, and how much, in order to buy the right gift cards in advance.  If you’re uncertain, just buy cards for places where you usually shop. That way, you can easily “liquidate” them after Black Friday if you haven’t used them all. If you wait until the last moment (or are reading this on Black Friday), you can still buy digital gift cards as necessary and print them out at home. Most vendors say it takes up to a day to email you the link to print your “card,” but I’ve always received it within two hours.   If you’re a scientific shopper, you’ll prepare a list of doorbusters and other items you plan to buy, and where. Then you’ll find the necessary gift cards at the best discounts available. You’ll also use… More Advanced Gift Card Strategies Paying for Black Friday purchases with discounted gift cards is a simple way to “stack” your savings.  But you can save even more if you add additional savings tactics, like using the right rewards credit card. Here are some examples of how to really stack up those savings. Example #1 Suppose Gap and Old Navy gift cards are currently on sale for 20% off at Staples. Buy a $50 card with a Chase Ink or American Express Simply Cash Business card (I have both), to get $2 cash back on the $40 purchase (5% back at all office supply stores).  Spend $50 on half-priced gifts on Black Friday, and pay with the gift card for a total net cost of $38 for things that would normally cost $100.  That’s how you stack three savings tactics: a sale, credit card cash back and a discounted gift card. Example #2 You plan to spend $140 on gifts at Michaels, so you do this: Go to Cashback Monitor and enter Raise to see which cash-back portal pays best for shopping at that discount card vendor. At the moment, the best rate is 5% from Mr. Rebates. Go to Mr. Rebates and set up an account, because they offer 5% cash back if you shop at Raise through their link. Use the Mr. Rebates portal link to go to Raise. Search through the many Michaels gift cards. As I write this, a card with a balance of $202.25 is listed for $174.95, a 13.5% discount. Buy the gift card with a credit card that gives you cash back, like Citi Double Cash (2%) or Barclaycard CashForward World MasterCard (1.5%). Buy stuff at Michaels for at least 50% off on Black Friday. Here’s the breakdown on what you would save on the first $140 of purchases, if you buy only Black Friday deals that are 50% off: Half-off sale savings: $140.00 Gift card discount: $27.91 Portal cash back: $3.36 Credit card cash back: $2.24 By stacking four savings tactics, you save $173.51, and pay just $106.49 for gifts that would have cost $280 at the regular prices. Example #3 Add a coupon to the last example to use five savings tactics for one purchase. I once a five-level stack recently (not for Black Friday).  I earned portal cash back (1) when I bought a discounted gift card (2) with a cash-back credit card (3), and then I used the gift card and a coupon (4) to buy items already on sale (5) — all just to get cheap cat food at Petco in that case, but the strategy can also work at all of your favorite Black Friday stores. 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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10+ Eco-Friendly Gifts Under $30

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10+ Eco-Friendly Gifts Under $30
This post may contain affiliate links. Read my disclosure policy here. Looking for the best eco-friendly Christmas gift ideas this season? We have you covered with this Eco-Friendly Gifts Guide — and they’re all under $30 to help you stick to your gift budget! This Eco-Friendly Gift Guide was thoughtfully put together by Meg on the MoneySavingMom team — who is very passionate about making healthy and eco-conscious life choices. Do you know somebody who is striving to live an eco-conscious, lower impact life by choosing more sustainable products in their everyday life? Check out this list of fun eco-friendly gift ideas that are sure to excite that person in your life! Eco-Friendly Gift Ideas 1. Essential Oils Diffuser — A diffuser is a great gift idea for someone wanting to replace candles with essential oils to avoid polluting the air in their home. There are lots of great diffusers less than $30 on Amazon that come in all shapes and sizes! 2. Beeswax Food Wraps — One of the easiest ways to reduce plastic use is to stop using plastic baggies for food storage and transportaion. These Beeswax Food Wraps are the perfect replacement solution, and you can get them in all kinds of really fun designs! 3. Bamboo Toothbrush — Bamboo is compostable and biodegradable, so it’s a great option to replace plastic toothbrushes! I personally love the ones with activated charcoal for an added whitening effect! 4. Stainless Steel Straws — For someone who loves using straws at home, a stainless steel straw is an excellent option to help reduce plastic use. Straws are one of the biggest plastic pollutants, and it’s such an easy replacement! I use these inexpensive straws in my YETI every day and love them. 5. Reusable Produce Bags — These mesh produce bags are a great way to reduce plastic bag use when you’re at the grocery store. I have this set and love them! And they’re easily washable. 6. Ella+Mila or Zoya Nail Polish — If you know someone who loves doing her nails, this is a great eco-friendly gift idea! Zoya Nail Polish is 10-free and Ella+Mila is 7-free. These are two of my all-time favorite nail polish brands, because not only are they more eco-friendly than other brands but they’re also quality polishes that go on nice and opaque and have beautiful finishes to them. 7. Starbucks Reusable Cup with Gift Card — Do you know someone who frequents Starbucks? Consider buying them a Reusable Starbucks Cup! It saves on plastic and also gives them a $0.10 discount each time they use it. Stick a Starbucks gift card inside for a nice little surprise! 8. Mason Jar Lids and Straws — This is such a fun, eco-friendly way to hydrate! Gift someone this set and they can just re-use mason jars that they already own. This works great for on-the-go hydration — perfect for water, infused fruit drinks, lemonade, teas, and more! 9. Lush Body Care Products — Lush has worked really hard to almost completely eliminate plastic use in their packaging products. Many of their products are “naked” without packaging and the rest are made from recycled and recyclable/compostable materials. To encourage recycling even further, you’ll receive a free face mask when you bring in 5 empty Lush pots. They have tons of beautiful gift ideas, including luxurious bath bombs and yummy lotions. (This Sleepy Lotion is my FAVE.) 10. Reusable Grocery Bags — This is an idea that’s been around for a long time now and has become more mainstream, but it can be fun to give cute and different reusable grocery bags as a gift! Amazon has lots of fun options! Maybe even add a gift card to a whole foods grocery store! 11. Organic Cotton Socks — For someone who loves socks, organic cotton is a great sustainable option, because it doesn’t use any chemical pesticides or artificial fertilizers. Plus, they’re extra cozy! 12. Tarte Cosmetics — All of Tarte’s products are made without harmful parabens, mineral oil, or sulfates. They also have an entire line called Rainforest of the Sea that are made from entirely plant-based ingredients. Be sure to check out their sale section for lots of options under $30. 13. Succulents — Plants are a go-to gift idea for someone who is interested in a sustainable lifestyle. And succulents are so much fun and easy to take care of! 14. Zero Waste Home Book — For someone interested in reducing waste and lowering their environmental impact, this book would be a great gift! It’s full of all kinds of easy and creative ideas. Bonus Ideas (Over $30) Have a little extra wiggle room in your Christmas budget and willing to spend a bit more? Try one of these bonus recommendations for eco-friendly Christmas gifts: 15. YETI or Hydro Flask — This is another easy way to hydrate in a plastic-free way! I love my YETI and Hydro Flask and use both almost every day for different uses (YETI for everyday water drinking and Hydro Flask for yoga or working out). Both are quality brands that will last forever and keep water super cold. 16. Pela Phone Case — These phone cases are really cool because they’re 100% compostable! Choose from lots of different colors and fun designs! I’ve been eyeing these for a while now, but haven’t splurged to buy myself one yet! This is a really unique gift idea for the eco-conscious person on your gift list! More Holiday Gift Guides Looking for other budget-friendly holiday gift guides? Don’t miss these: Beauty Gift Guide Tweens Gift Guide LEGO Gift Guide Outdoor Gift Guide Gluten-Free Gift Guide Little Boys Gift Guide Expectant Mothers Gift Guide Psst! Be sure to sign up for our hot deals newsletter to make sure you don’t miss any of the hottest deals each day this holiday season! Can you think of any other great eco-friendly Christmas gifts? Let us know in the comments! [...]
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Feel like a failure?

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Feel like a failure?
What do you do when you experience failure in your life or your business? One of our wonderful listeners asked how you get back up and keep going after failure, and Jesse and I had a lively and honest discussion around this in this week’s episode of the The Crystal Paine Show. Failure is a part of life, but it shouldn’t define who we are. For instance, for a long time, Jesse identified as a lawyer and that title made up his identity in many ways. If he failed or if he perceived a failure, that lack would directly impact his identity.  For many others, they don’t feel like they are good enough. When this is the case, it’s so easy to see failure and setbacks as defining you as a failure personally. The truth is that true failure only occurs when you stop trying and give up. Until you stop trying, you haven’t failed! So keep moving and learning and growing from your mistakes. Also, don’t forget to stop and celebrate your wins. It’s so easy to focus on what we’re doing wrong instead of recognizing what we’re doing right. In This Episode:  [01:23] What’s saving our lives? Under Armour hoodies and my Sole F80 treadmill. [07:36] I’m reading Tasting Grace by Melissa d’Arabian. [12:25] Jesse shares how he gets up and does the next thing after a big fail?  [16:03] So many people identify as “failures,” how do you separate the act of failure from your overall identity?  [19:01] Everyone fails and each failure is a lesson learned. [21:51] True failure is when you stop taking action. Just keep moving forward. Links and Resources: Zulily Under Armour hoodies Sole F80 Tasting Grace by Melissa d’Arabian 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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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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This Week’s Kroger Shopping Trip + Amazon Order = $63 spent!

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This Week’s Kroger Shopping Trip + Amazon Order = $63 spent!
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. I only ended up going to Kroger once this past week, but I got some great deals and markdowns! The Cream of Chicken soup was in the markdown section and it was just $0.49 each + it was part of the Buy 10, Get $5 off deal which meant that I got $0.50 off each — making them free! I was super excited about finding the Yoplait 8-count packs of yogurt for just $0.99 and also the Off the Grid Waffles for just $0.99 each! There is a $0.50/1 iBotta rebate with a limit of 5 so I got back $2.50 for buy 5 boxes! And finally, I was super thrilled to find eggs marked down! We were down to our last few eggs so it was perfect timing! Kroger Shopping Trip: 5 Campbell’s Soup — marked down to $0.49, got $0.50 off each because they were part of the buy 10, Get $5 off deal 2 cans of Swanson broth — $0.49 each when you buy 10 participating items 4 cans of Green Beans — $0.49 each when you buy 10 participating items 2 pounds Land O Lakes butter — $2.49 each when you buy 10 participating items 3 boxes Creamette Pasta — $0.49 each when you buy 10 participating items, used $1/3 coupon from a Kroger mailer = $0.50 for all three 2 cartons cottage cheese — $1.49 each when you buy 10 participating items 3 boxes of Swiss Miss hot cocoa — $0.99 each when you buy 10 participating items Annie’s Mac & Cheese — marked down to $0.45 5 boxes Off the Grid Waffles — marked down to $0.99 each, plus I got $0.50 back per box from iBotta Old El Pasa Taco Shells — marked down to $0.39 2 boxes SO Right frozen burrito bowls — marked down to $0.89 each 1 dozen Kroger eggs — marked down to $0.59 5 dozen cage-free brown eggs — marked down to $1.29 each 2 Chobani yogurt flips — marked down to $0.19 each Kroger peanut butter — free with Kroger coupon from the Kroger mailer Kroger water — $0.89 2 Dannon Oikos yogurt — marked down to $0.49 each 2 packages Roasted Turkey — marked down to $1.79 each Broccoli crowns — $0.70 Kroger smoked sausage — free with Kroger mailer coupon 2 8-count packages of Yoplait yogurt — marked down to $0.99 each 1 bunch of green leaf lettuce — $1.79 Bag of 3 apples — marked down to $0.99 Bananas — marked down to $0.50 Dole Salad Kit — $1.79 4-lb bag of oranges — $3.99 Milk — $2.99 Total with tax: $53.28 Since I had some extra wiggle room in the grocery budget, I went ahead and ordered this great deal off of Amazon. Dinners This Past Week Monday: Frozen Pizza Tuesday: Lasagna Casserole, Green Beans, Rolls Wednesday: Chicken Noodle Soup, Best Bran Muffins, Cinnamon Apples Thursday: Homemade Mac & Cheese, Green Beans, Grapes, Banana Chocolate Chip Muffins Friday: Pumpkin Waffles, Bacon, Scrambled Eggs Saturday: Leftovers (fend for yourself) Rebates earned: $2.75 back from iBotta + 225 points from Fetch Rewards [...]
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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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8 Products That Solve Everyday Annoyances

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8 Products That Solve Everyday Annoyances
Think there’s nothing you can do about life’s little annoyances? We’ve taken it upon ourselves to help change your mind! From adapters that magically transform one outlet into three — for less than $5, we might add — to silicone lids that prevent liquids from boiling over, we’ve rounded up a variety of products available at Amazon that put an end to the everyday... [...]
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The Enneagram and Marriage

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The Enneagram and Marriage
We had a lot of fun with this episode — and we learned a few things about each other in the process of recording it! What’s today’s podcast episode topic? The Enneagram and marriage. Whether you love all things Enneagram, are skeptical of it, or don’t even know what it is, I think you’ll enjoy this candid conversation about our differences, how we have worked through them, and what it looks like to love and respect someone who is the complete opposite of you in many ways. Pull up a chair (or a load of laundry!) and listen in as we chat about our big foster care news, grilling meat, my favorite makeup cleaner (and I make a confession that I might get some flack for), a book I’m reading, and marriage and the Enneagram! In This Episode:   [01:55] What’s saving our lives? Butcher Box and Mary Kay 3-in-1 Timewise Cleanser. [07:20] I’ve been reading Come Matter Here by Hannah Brencher. [11:28] How do marriage and the Enneagram tie in with one another? [14:37] Jesse talks about what it’s like to be married to a very strong Enneagram 8. [18:30] On the flip side, I share what it is like being married an inquisitive Enneagram 5. [25:34] How do we reconcile our differences? [30:19] Learning more about our personality types has helped us to build a stronger marriage through understanding. [33:57] Choose to see differences as strengths and it will change your perspective — and maybe your relationship! Links and Resources: What is the Enneagram? (Podcast I did with Leigh Kramer) Butcher Box Mary Kay Timewise 3-in-1 Cleanser Come Matter Here by Hannah Brencher 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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20 Gifts for Tweens Under $30

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20 Gifts for Tweens Under $30
This post may contain affiliate links. Read my disclosure policy here. Looking for the best Christmas gifts for tweens this holiday season? We have you covered with this Tweens Gift Guide — which includes gifts for tween girls and gifts for tween boys that are all under $30 to help you stick to your gift budget! Silas and Kaitlynn had a blast helping to choose ideas for this gift guide. I hope that their selections of things they and their friends love will give you some great suggestions for gifts that might work well for your tweens, too! -Crystal Pre-teens can be kind of difficult to buy for! But this list of gifts for tweens will give you lots of fun and budget-friendly ideas to pick from! Gifts for Tween Girls 1. Bath & Body Works Fragrance Spray — My girls love these. They have so many different scents and Bath & Body Works is often offering fantastic deals — especially if you buy multiples. Sign up for their email list to be notified of when their best sales are. 2. Bath Bombs — You can make your own or purchase a set like this from Amazon. {These would make a great stocking stuffer gift, too, if you have multiple tween girls to buy gifts for. You could put one or two in cute little bags with a ribbon.} 3. Scrunchies — You’ve probably heard that scrunchies are back in style and our girls can’t get enough of them! {Again, these would make fun stocking stuffers or get an entire set for the girl who loves to wear lots of different colors! Psst! It’s pretty easy to sew scrunchies if you have basic sewing skills.} 4. Letterboard — These are such a great way to display a tween girls’ personality and originality. Best of all, Letterboards now come in many different colors and styles. 5. PopSocket — The girls cannot figure out how I manage to have a phone without a PopSocket on it. Just call me old-fashioned! They adore PopSockets and there are so many cute and fun ones to choose from. This one is a favorite of Kaitlynn’s. 6. Craft Kits — Most tween girls love creating, so a craft kit is usually the perfect idea and something they’ll spend hours enjoying. Plus, if it’s something they can display in their room or wear after they make it, they’ll get even more fulfillment from it! 7. Twinkle Lights — You just can’t go wrong with Twinkle Lights — and there are so many fun uses for them. Kaitlynn is often rearranging her room and coming up with some new way to display her twinkle lights! Gifts for Tween Boys 8. Nerf Toys — When I asked Silas to help me put together some gift ideas for tween boys, he literally picked out 7 different Nerf Guns to include on the list! Suffice it to say, these are a big hit with him and his friends. And it seems like you just can never have too many Nerf Guns, according to him! 9. Sports Pillow — Silas has a football pillow he got last year that he uses as room decor — and to sleep with. In fact, he brings it on every trip! There are pillows for just about every team under the sun. 10. LEGO Kits — There are SO many different LEGO kits to choose from and there’s practically something for everyone. This LEGO Movie Kit is a fun twist combining stop motion film plus LEGO design. 11. 3D Maze Game — These are so much fun, not just for boys, but for adults, too! If you have a son who loves to solve puzzles or be challenged, this might be a great gift idea! 12. Catapults & Crossbows — This kit would be perfect for a tween boy who loves science and engineering and nerf guns. It’s kind of like building your own nerf gun! 13. Flag Football Set — Jesse bought the kids a flag football set a few years ago and it has been well-loved and well-used. A great gift for sports lovers and something the whole family can end up using! 14. Mini Basketball Hoop — Any boy who loves basketball will likely get hours of fun from a mini basketball hoop. Mount this on a door for lots of indoor entertainment. By the way, this Hamper Hoop is a unique twist on a mini basketball hoop — and it might actually get your tween to put his laundry in the hamper! 🙂 Stocking Stuffers for Tweens 15. eos Lip Balm — Kaitlynn loves eos lip balm and it’s such a practical and useful, but also cute and appreciated gift. Perfect for stocking stuffers! 16. Fuzzy Socks — What girl wouldn’t love fuzzy socks? I’m 38 and I still love them! Bonus points for tween girls if they have unicorns on them! 17. puravida bracelets — These bracelets are waterproof, handmade and come in many different colors. They are so fun to mix and match! 18. Thinking Putty — This stuff is always a hit and it comes in so many different colors! (I personally think the Liquid Glass one is the coolest!) 19. Baseball Cards — You can never go wrong with baseball cards if you have a baseball lover at your house! 20. Cool Socks — Socks are such a practical and useful gift… and if they are cool-looking that makes them even better! More Holiday Gift Guides Looking for other budget-friendly holiday gift guides? Don’t miss these: Beauty Gift Guide Gluten-Free Gift Guide Little Boys Gift Guide Stay tuned as we roll out several more gift guides over the next couple of weeks — put together by several different MoneySavingMom.com team members! Psst! Be sure to sign up for our hot deals newsletter to make sure you don’t miss any of the hottest deals each day this holiday season! What other fun ideas do you have for gifts for tweens? Let us know in the comments! [...]
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12 Amazon Purchases We Are Loving Right Now

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12 Amazon Purchases We Are Loving Right Now
What better way to find your next great purchase than to consult financially savvy consumers much like yourself — you know, the kind of people who read Money Talks News? We couldn’t think of a better way, which is why we rounded up the Amazon products that were most popular last month among Money Talks News readers, including our own staff and contributors. Don’t worry: [...]
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Spend Too Much on Vacation? These 5 Tips Will Help You Rebuild Your Savings

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Spend Too Much on Vacation? These 5 Tips Will Help You Rebuild Your Savings
The best vacations are carefree escapes from everyday stresses. Bills and budgets? That’s for non-vacation life. When you’re on the beach or at a five-star mountain resort, you buy the lobster dinner, you splurge for the couples massage and you make sure to pick up a few souvenirs along the way. But once you return home, you’re hit with the realization that you spent much more than you intended. Making up for a huge dent in your savings can be tough, but these five ways will help you save up money when you’re coming down from that vacation high. 1. Try the Pantry Challenge Going to the grocery store to restock the fridge is a natural response after spending a week or two away from home. But what if you delayed that shopping trip and got creative with what you already have? The pantry challenge involves using up the often overlooked food in your cupboards, freezer or fridge before buying new ingredients. Then, if you normally drop about $100 on your weekly grocery trip, you can add that to your savings instead. Of course, pantry items won’t sustain you forever. Making a meal out of rice and ketchup is really pushing it. When it’s finally time to go shopping, try using some of these tips to save money on groceries. 2. Sell Clothes You Never Wear As you’re unpacking your suitcase and putting things away, take inventory of your closet and drawers. Surely you’ve got a few items in there that never see the light of day. Turn a profit by selling your old clothes online, using a clothes-selling app or going to a brick-and-mortar second-hand shop to make the sale. Not only will you get cash to pad your savings, but now you have extra room for those graphic tees you bought on vacation. 3. Take a Break from Spending If you blew through a lot of money over vacation, balance things out with a no-spend challenge. You don’t have to commit to a month of not buying anything besides essentials — though that would do wonders for rebuilding your savings. You can customize your no-spend challenge in a variety of ways, like focusing on temporarily nixing your weakness for buying things on Amazon. While you’re on your spending freeze, try not to think of it as deprivation. Try some free ways to have fun, like exploring the great outdoors, being a tourist in your own city or hosting a game night at home. 4. Automate Your Savings Use automation to take the work out of saving money. Money-saving apps like Digit and Acorns pull small amounts from your checking account to save without you even thinking about it. A few dollars here and there will add up over time. If micro-saving apps aren’t your thing, arrange for a percentage of your paychecks to be deposited directly into your savings account, or pay yourself first by setting up automatic transfers from your checking to your savings account right after payday. 5. Bite the Bullet and Start Budgeting Your Money You may think you’re getting by fine without budgeting, but establishing a plan for your spending — and prioritizing saving — can help you make up for overdoing it on vacation. Learn how to develop — and stick to — a budget next month with these seven steps to budgeting. If you think you’ll have trouble sticking to your spending limits, try the cash envelope system. This method keeps you from overspending, because you physically have no more cash once the envelopes are empty. No cheating and swiping your debit card! Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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I earned 117 Swagbucks today

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I earned 117 Swagbucks today
This post may contain affiliate links. Read my disclosure policy here. Did you see that I earned 195 Swagbucks yesterday? I thought I’d give you an update on what I earned today, too… Want to earn some free gift cards to cover some of your Christmas expenses? I highly recommend signing up for Swagbucks. Swagbucks is one of my favorite ways to earn free gift cards to Amazon, Walmart, Target, and more! There are lots of ways to earn — printing coupons, watching videos, signing up for offers, taking surveys, and more. Go sign up for Swagbucks here and then check out my extensive post here on how to earn more Swagbucks fast.   I Earned 117 Swagbucks Today! I earned 117 SBs (these are points you can redeem for free gift cards) today. Here’s how I did it: I uploaded a receipt for purchasing bread — 20 SBs I watch some videos — 20 SBs I answered the Daily Poll, Profile Questions, and a quick Survey (and earned some bonuses) — 18 SBs I signed up for the Pillsbury email list — 70 SBs (Also, I’m not sure why that doesn’t add up to 117 so the math is off somewhere but I can’t seem to figure out what I’m missing where.) How many SBs did you earn today? What are your favorite ways to earn SBs? Looking for more ways to earn free gift cards? You can earn free gift cards from Shopkick and Fetch Rewards. And here are 15 More Ways to Earn Extra Money. [...]
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Why I Stopped Drinking Coffee

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Why I Stopped Drinking Coffee
Have you ever wondered how to stop drinking coffee? This post and podcast episode is my journey of why and how I did it, plus the unexpected results of how it really changed my health and life! {To see what I drink instead, check out my favorite Decaf Chai Latte recipe or this list of my favorite decaf teas to drink.} Any time I mention that I no longer drink coffee, I get so many questions on why and how I did this. I decided it was high time I write a post about my journey with quitting coffee! Why I stopped drinking coffee Let’s be clear. This is not something I ever wanted to do and I never ever dreamed I’d be a non-coffee drinker! {So there’s still hope for all you coffee drinkers out there who would like to try giving up caffeine but can’t imagine a world without your coffee!} I started working with a nutritionist in August 2016 in hopes of clearing up my eczema and acne, and one of the first things he told me was that I had to stop drinking coffee. I immediately replied to him and said, “Hold up. I’ll do anything else that you say, but I can not give up my coffee.” He told me to just give it a try, trust him, and see what happens. So I did (reluctantly). Giving up coffee wasn’t easy If you’ve ever wondered how to stop drinking coffee, I’m here to tell you that it was not easy. Prior to that I had been drinking two BIG cups of coffee every single day for a really long time — and even three cups on the really rough days. And let me tell you, it was really, really hard to think of giving it up. I ended up deciding to stop drinking coffee cold turkey, and I wouldn’t necessarily recommend that method. I started drinking a gallon of water every day, and I was also doing a cleanse at the time — eating only greens and then slowly adding foods back in. The first 8 days were awful. I had a horrible headache and I craved coffee like crazy. I missed it SO much. Mostly, though, I missed the routine of my morning coffee. I had a ritual of getting up and pouring my cup of coffee, and I didn’t know what to do without that morning ritual. I really loved savoring my morning over a cup of coffee, and it was something that was really cathartic for me. Because I couldn’t drink coffee, I had a horrible headache and was extremely lethargic. All I wanted to do was sleep nonstop! I was sleeping about 10 hours every night in the beginning. (And this is a lot more than normal for me. I typically only need about 7 hours for a really good night’s rest.) But you know what was happening? My body was finally trying to get caught up on all the sleep I had missed! My body had become SO dependent on coffee for so many years. I didn’t even realize this until I stopped drinking coffee, but I had been masking my exhaustion and lack of energy with caffeine. How giving up coffee was life-changing for me I never imagined I’d learn how to stop drinking coffee, and it did take a few months for me to stop craving coffee. (And honestly, every once in a while — even after two years — I still crave it! But it’s not worth the headache I immediately get even if I just have a few drops of caffeine!) Over time, it got easier and easier, and I slowly started noticing significant health changes from not drinking coffee. And I learned I can actually survive without drinking coffee — something I never thought would be possible for me! Giving up coffee was a radical choice for me, but the radical results and changes were totally worth it: I finally felt rested. For the first time in months, I felt caught up on sleep. Because I was getting enough sleep every night, I wasn’t getting tired in the middle of the day! I felt happier. I had SO much more energy and was way less irritable. All around, I was just in a much better mood every day. It helped my anxiety. I didn’t realize giving up caffeine would help my anxiety, but this was a life-changing result I wasn’t expecting. I’ve now realized I am extremely sensitive to caffeine, and I can immediately feel the effects even if I have a tiny bit. Not drinking coffee has helped me feel calmer on a daily basis. It improved my overall health. This — combined with drinking more water and eating better — really helped improve my overall physical health. Also, it’s been really empowering for me to realize that I’m not dependent on coffee anymore and I have the energy to get through my days without it! What I drink instead Since the morning ritual was what I missed most about coffee, I had to replace those habits so that I could still enjoy waking up and savoring a hot beverage first thing in the morning. Because I’m highly sensitive to caffeine, I don’t drink caffeinated teas. So I’ve replaced my cup of coffee with a huge cup of strong herbal tea. I typically use two bags of tea so that it’s super strong, I add lots of cream (just like I did when I drank coffee), and I add honey to sweeten it. This strong cup of herbal tea with lots of cream and honey has become a great alternative for me without sacrificing my morning ritual. If you’re looking for some tea ideas, you can check out my favorite Decaf Chai Latte recipe or this list of my favorite decaf teas to drink. Listen to the Podcast on This Topic For more about how and why I stopped drinking coffee, listen to this week’s episode of The Crystal Paine Show. In This Episode:  [00:41] This is going to be a hot button episode – learn all about why I stopped drinking coffee! [01:44] Jesse and I chat about the Spartan Race the family ran. [05:54] Mint Majesty Tea is saving my life these last few weeks! [07:09] Check out The Only Plane in the Sky. I finished it this week and it was captivating. [10:10] So… why did I stop drinking coffee?  [12:49] What did it feel like to even think of giving up coffee?  [13:39] It was hard… awful… miserable… yep, all those things! [16:56] But I stuck with it — and I’m so grateful that I did!  [18:22] Jesse too has been focusing on drinking more water and it’s changed how his body reacts to caffeine. [19:23] I had no idea how much caffeine was affecting my sleep and my overall health. [23:11] Do I miss or crave coffee still?  [26:02] If you’re feeling tired or sluggish, here are some others options for a pick-me-up. [27:03] Learn more about my favorite coffee replacements! Links and Resources: Mint Majesty Tea The Only Plane in the Sky by Garrett Graff Dandy Blend with Morning Motivator Crystal’s Favorite Teas Teeccino 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.) Do you have any other tips on how to stop drinking coffee? I’d love for you to share them in the comments! [...]
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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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You Could Save Money by Ditching These 9 Disposables and Buying Reusables

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You Could Save Money by Ditching These 9 Disposables and Buying Reusables
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. Saving the planet doesn’t always come cheap. Many of the disposable products we use and love are easy to buy at lower prices than their reusable counterparts. But the convenience of disposable products often comes at a steep cost to the environment. Plastic bags and straws pollute the ocean and end up being ingested by sea animals. Disposable diapers take hundreds of years to decompose in landfills. Reusable products often cost more up front, but you may be surprised to find out how soon they end up paying for themselves since you can use them again and again instead of buying more of the disposable versions. 9 Reusable Products That Will Save You Money Over Time We took nine household products, searched for both reusable and disposable versions on Amazon and compared the costs. Here’s how they stacked up. Editor’s note: The prices in this post are valid as of Sept. 23, 2019. Diapers Diaper prices can vary widely. For example, cheap (read: leaky) store-brand diapers cost just a few cents each, while Pampers can set you back $40 a week. The same is true of cloth diapers.  For this comparison, take a cloth diaper costing $4.50 and 16 disposable diapers at 28 cents each, and the cloth diaper has paid for itself after 16 diaper changes. Multiply that over two years of a child’s life before potty training, and there are major savings to be had by reusing cloth diapers — many of which have different settings that adjust to your baby’s growth. Dryer Balls If you’ve never heard of dryer balls, they’re little wool balls about the size of a tennis ball that you throw in your dryer with your wet laundry in place of fabric-softening dryer sheets. Because the wool can absorb some moisture from your clothes, manufacturers claim they cut down on energy use and drying time. They can also save you some pennies. A set of six reusable wool dryer balls costs $7.97, while a box of 240 disposable dryer sheets costs — wait for it — a buck more. This one’s a no-brainer. Feminine Products Listen up, gal pals. We’re here to tell you that you are not — we repeat, NOT — doomed to pay an exorbitant monthly fee for tampons and liners and pads (not to mention Midol) simply for the privilege of being female. With a box of 40 tampons costing $6.47 and 38 pads ringing in at $6.97 times every month of your adult life, it’s … a lot. So consider this: One pair of Thinx period underwear is $23, and a Diva cup is $24.48. K-Cups Did you even know there was a reusable alternative to those little pods of delectable, life-giving coffee? There totally is!  While a box of 40 Starbucks K-Cups will set you back $28.36 (OUCH), a set of four reusable pods that you just refill with your favorite ground coffee runs $9.95.  Paper Towels One cloth kitchen towel at $1.33 is only slightly more than the cost of one roll of paper towels at a cost of $1.10 per roll. Enough said. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 8:24 AM Traveling All 50 States On a Budget 10/9/19 @ 4:40 PM Acorns 8/14/19 @ 2:00 PM Saving money on pet meds 9/11/19 @ 11:41 AM See more in Save Money or ask a money question Razors Razors are synonymous with disposable. A box of 100 of the plastic ones: $17.90. A single chrome reusable safety razor (that will make you feel like Don Draper): $12.66. You do have to replace the blade on the reusable one. Don’t worry, they’re cheap. A box of 100 is about $7. Straws A stainless steel straw costing $.75, or $5.99 for a set of eight, is equal to the cost of about 19 disposable straws at 4 cents each. That means that after 19 uses, the reusable straw has essentially paid for itself — plus you’ve got seven more left over. Sandwich Bags This set of six reusable sandwich bags costs $9.99, while a box of 280 Ziploc bags runs about $8.38. Think about it this way: The first time you replace that box of disposable bags, you’ve nearly bought another whole set of the ones you could be reusing. Water Bottles One reusable water bottle costing $15.76 is equal to the cost of about 72 single-use water bottles at 22 cents each.  Translation: Refill your bottle 72 times and then you’re done paying for water entirely. That’s a considerable up-front cost, but these products — and really all reusable replacements — are all about long-term savings. Not to mention tossing a little less waste in the landfill. Nicole Dow is a staff writer at The Penny Hoarder. Senior editor Molly Moorhead contributed to this report. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Why Jesse and Kathrynne Went to South Africa

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Why Jesse and Kathrynne Went to South Africa
As a mom, there’s not much that warms your heart more than seeing your child find such fulfillment in loving on others. We usually go to South Africa every year to spend time with our friends there and to see the progress and work being done by Take Action Ministry — the ministry that is near and dear to our hearts and the one we are very involved with there. (If you’re interested in reading about previous trips, you can read more and see lots of pictures here.) I couldn’t go this year because of my pregnancy, but I got to send Jesse and Kathrynne instead and they had the absolute BEST time! I just couldn’t stop smiling as Jesse sent me pictures when they were there. To see my 14-year-old so happy and at home in the country that has stolen my heart made me beyond thrilled and proud as a parent. There’s a lot of things we’ve gotten wrong and are getting wrong as parents, but we will never regret the priority we’ve placed on travel and experiencing other countries and cultures. It has so profoundly impacted all of us for so much good. In this week’s episode of the podcast, I sat down with Jesse and Kathrynne and asked them to share about their trip. I loved getting to hear their perspective, what they experienced, and what they have learned from our time spent in South Africa. In This Episode:  [01:19] Jesse and Kathrynne share why they went to go to South Africa. [02:33] We all talk about what the flights to South Africa are like and the anxiety that sometimes has surrounded these long international flights. [08:03] Jesse chats about some of the highlights of this year’s trip and how the area has changed so much. [08:51] What does Take Action Ministry do at the centers and what is the purpose of these centers?  [13:06] Kathrynne shares her experience with the food prepared and served at the centers. [15:09] Hear about Kathrynne’s trip highlights. [18:14] What was different about this trip from the ones taken in the past? [20:32] We could just give them money, but going and being there is so much more impactful.  [22:50] How have these trips impacted Kathrynne’s and Jesse’s lives?  [27:45] Kathrynne ends the conversation with how appreciative she is for all of the opportunities she has in her life. Links and Resources: Take Action Ministry Take Action Donations Joint Aid Management 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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What has triggered the explosion of payments for order flow? Not Fidelity

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What has triggered the explosion of payments for order flow? Not Fidelity
The Robinhood effect popped up again, as Schwab slashed its stock commissions to zero and forced TD America, E-trade, Interactive Brokers, Ally Invest, and Fidelity to follow suit over the next few days. Schwab called this the zero commission brokerage war, on CNN. This war is just the beginning of a broader trend that will […] The post What has triggered the explosion of payments for order flow? Not Fidelity appeared first on Daily Fintech. [...]
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9 of the Hottest Products on Amazon Today

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9 of the Hottest Products on Amazon Today
Whether you’re an impulse shopper or just like to be on top of the latest trends, you need to check out Amazon’s “Movers & Shakers” lists. These are the hottest items on Amazon right now, based on how much their sales rank has jumped compared with 24 hours earlier. According to Amazon: “For example, if a music item has a current sales rank of 10, but was ranked 30... [...]
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*HOT Clorox Wipes Deal | $10 Money Maker After Rebate!!

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*HOT Clorox Wipes Deal | $10 Money Maker After Rebate!!
This post may contain affiliate links. Read my disclosure policy here. WHOA! If you’ve been needing to stock up on Clorox Wipes, this is a deal you don’t want to miss! Top Cash Back is offering a $14.65 rebate on any $11 or more Clorox Wipes purchased from Staples, making it FREE! But that’s not all! Right now when you sign up as a new member, you also get a $10 bonus! That means you’ll get back $24.65 when you purchase this slow cooker — which is a $10 money maker deal! Here’s how to get your FREE Clorox Wipes + Bonus $10: 1. Head here for the special Clorox Wipes offer and sign up for a new Top Cash Back account. 2. Spend at least $11 on Clorox Wipes. Select free in-store pickup at your local Staples to avoid shipping costs. 3. Within 21 days, your Top Cash Back account will be credited with $14.65 — so all you’ll pay is tax! Once your account is credited with the $14.65, you’ll immediately see the bonus $10 in your account, too! That means you should get $24.65 cash back total! 4. After you receive the $24.65 payment in your Top Cash Back account, you can choose to transfer it to your bank account or request a Paypal payment. This is for new TopCashBack members only. If you are already a member, you are allowed to sign up another adult in your household. This deal is valid through October 20, 2019 — or while supplies last. [...]
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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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Smart Bricks meet Clicks & Voice – the Walmart Way

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Smart Bricks meet Clicks & Voice – the Walmart Way
PHYGITAL E-commerce giant Amazon is a big player in many markets. From e-commerce, cloud, delivery, entertainment, payments, smart home devices, and physical stores. Retail giant Walmart, not included in the FANGs or the GAFAs, as it is a native of another tribe (physical retailers), can actually stand respectfully next to Amazon and other large non-financials […] The post Smart Bricks meet Clicks & Voice – the Walmart Way appeared first on Daily Fintech. [...]
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Life Update: Pregnancy (week 11) & a trip to South Africa & Herndon, VA

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Life Update: Pregnancy (week 11) & a trip to South Africa & Herndon, VA
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. In case you missed last week’s update, check it out here. 11 weeks! I’m so excited to be getting close to the 2nd trimester! This week was a week full of ups and downs. I had some really bad days and two surprisingly decent days where I actually had a few short windows where I didn’t feel nauseous. It was the most incredible feeling and, even though it was short-lived, it was just the encouragement I needed after having a really rough and discouraging week last week nausea-wise. (By the way, it seems that most people have told me that their nausea is always worst in the mornings. For some reason, mine gets progressively worse as the day goes on. By bedtime, it’s at the severe level and often keeps me up for a few hours. I don’t have any explanation for this but it’s how it’s been in all my pregnancies so I guess it just is what it is!) HIGHLIGHTS: I had another doctor’s appointment this week and another ultrasound. Since Jesse and Kathrynne are in South Africa, I took Silas and Kaitlynn with me to the appointment. It was exciting for them to get to see our baby on the screen! Also, my doctor says the baby has grown quite a bit & everything is looking so healthy. NOTABLE: We had the NIPT test done this week. We opted to do it for a variety of reasons, even though it’s not 100% accurate. One exciting side benefit: we should be finding out what we’re having in the next two weeks! We haven’t decided whether we’ll be telling people or not. We didn’t find out with either of the girls but chose to find out with Silas and decided that we preferred finding out to being surprised. However, with Silas, we decided to keep it a secret from everyone, including our extended family. We may or may not do that again. WEIGHT GAIN: A total of 4 pounds so far… which means that I have officially outgrown a lot of my clothes. I ordered a few new tunic tops from Amazon and a few new pairs of leggings. I also went through my closet and pared it down to the looser-fitting tops/bottoms I already own that I can still into comfortably. I’m guessing I’ll be transitioning to maternity clothes sometime in the next 4-6 weeks. (If I remember right, I usually start wearing them around 17-20 week but I feel like my belly has popped faster this pregnancy!) A Peek Into Our Week A number of you have asked for me to post a picture of Quill (our pet hedgehog). He’s doing so well and has grown so big. A Trip to South Africa Jesse and Kathrynne flew to South Africa on Wednesday to visit our friends there and see how things were going with the ministry we support there. (We usually go every year and it’s one of my favorite places ever, but for some reason, I didn’t feel a peace about going this year. It didn’t make any sense at all, but I just felt strongly that I wasn’t supposed to go… little did I know that it was going to be because I was pregnant!) They’ve been sending me pictures of their time there and I am just so happy for them. Jesse said that Kathrynne is having the best time and it warms my mama heart so much to see my girl halfway around the world loving on these kids and teens. While they’ve been gone, we stayed busy back here. I got to interview Aundi Kolber for next week’s podcast episode. I can’t wait for you to listen to this episode; it is fantastic! (Also, we looked like we were dressed for a gender reveal party or something! I didn’t even realize it until I looked at the picture we took together after she left!) I also was so excited one morning to feel well enough to go to Kroger quickly and pick up their Friday-Saturday deals! A Trip to Herdon, VA And then Kaitlynn and Silas flew with me to Herdon, VA for me to speak at the 2:1 conference. (I usually only bring one child with me on speaking engagements, but since they were both on fall break and Jesse and Kathrynne were gone, they both got to come with me!) One of the highlights of the conference was getting to meet Janet Benge, who has co-authored so many of the Christian Heroes Then and Now books. I had to get a picture for my mom. I loved getting to do a breakout workshop about exploding your engagement on Instagram! The attendees were the best and I could have stayed for another hour or two and answered all the questions I didn’t get to answer during the session and at the end! One of my favorite things is getting to help others also fall in love with the power of Instagram. Speaking of which, are you following me on Instagram? If not, you’re missing out as I share lots of behind-the-scenes, money-saving deals, and real-time updates there… many that I never get space to share here on the blog! I also gave the morning keynote sharing how my parents impacted my life and the power of legacy. What I’m… Reading right now: The Only Plane in the Sky (Note: This has a little bit of language in it, but it is a very worthwhile read and I would highly recommend it.) Watching right now: Have you seen the Enneagram Rhapsody? Multiple sent it to me this week and I had to laugh because there was so much truth in it. If you are an Enneagram fan, you’ll probably love it, if you haven’t seen it yet. 🙂 Listening to right now: This week, I’ve been listening to the Serene and Pearl UnShow at night when I have trouble sleeping because of nausea. I love the Trim Healthy Mama podcast and their quirky sense of humor and the way they disagree with one another and tease one another. (A lot of people are annoyed with how they talk over each other on their podcast. I happen to love it — probably because I grew up in a large family and we are always talking over each other and teasing one another mercilessly!) Loving right now: This kimono (I have it on in the photo at the top of this post. It’s perfect to dress up an outfit, so comfortable, and is something I’ve worn multiple times in the last month!) What are YOU reading, watching, listening to, and loving right now? I’d love to hear! In Case You Missed It: Guess what? I actually went to Kroger! Jesse Answers Your Burning Questions 2019 Goals: September Update [...]
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5 Shrewd Secrets from Women Who’ve Fixed Credit, Paid Debt and Made Fortunes

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5 Shrewd Secrets from Women Who’ve Fixed Credit, Paid Debt and Made Fortunes
Looking for some advice when it comes to managing your money? We have stories from a former Merrill Lynch executive, a mom of nine who overcame a job layoff and a college grad who was able to pay off $100,000 worth of debt — then start her own business. They share their tips and secrets for financial success. You can even start using some of their strategies right now. Secret No. 1: Women Should Invest Differently Than Men Traditional investing companies have never really considered the fact that women statistically get paid less, yet live longer. That’s why Sallie Krawcheck, the former head of Merrill Lynch designed an investing company for women called Ellevest. With Ellevest, you can start investing with as little as $1. Plus, when you sign up through The Penny Hoarder, you’ll get a $25 bonus in your Ellevest account.* When you sign up, Ellevest will build an investing plan just for you and your financial goals. It considers gender pay differences, any potential career breaks and overall lifespan. Even better? It invests your money in women-owned businesses. Thanks to Krawcheck, we can invest exactly for our needs and feel more confident in our financial future. Secret No. 2: Be an Advocate For Yourself (and Your Credit Score) It’s easy to pass your credit score off as some silly three-digit number — that’s what most of us did throughout our early twenties anyways. But what happens when you want to buy a car? Or a house? That seemingly arbitrary number starts to play a huge role in your life. And here’s the unfortunate fact: You can do everything right, but if your credit report has an error (one in five reports do), it could be holding you back — for no good reason. That’s why it’s important to keep an eye on things. Thankfully, a free website called Credit Sesame will give you your credit score for free and help you detect any errors on your report. If you find any, it will even help you dispute them. Salome Buitureria, a working mom in Louisiana, found a major error on her report — a supposed unpaid medical bill that had definitely been covered by Medicaid. Using Credit Sesame, Buitureria fixed the mistake and took additional steps to raise her credit score from 524 to nearly 700.**  Now? She’s focused on buying a home. It only takes about 90 seconds to sign up with Credit Sesame. Secret No. 3: You’re Not Stuck With Your Credit Card Debt Wanna know something? Even if you have loads of credit card debt right now, that doesn’t mean you’ll have it forever. Heck, that doesn’t even mean you’ll have it tomorrow. What? We’re serious. One of our favorite first steps in escaping credit card debt is to refinance it with a personal loan. It might sound counterintuitive — like you’re just moving your debt from your credit cards to a loan — but the truth is, this could lower your monthly payment, save you tons of money in interest over time, and allow you to pay off your debt faster.. If you’re not sure where to start looking, use a website called Fiona. It’ll match you with a low-interest loan (rates start at 3.84%). You can then use that loan to wipe out your credit card debt. Then you’re left with just one bill to pay every month. Pro Tip When shopping personal loans, look for interest rates lower than your credit cards’ and manageable monthly payments. Oh, and don’t take out more than need to pay off your credit cards. Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. We chatted with one San Francisco resident who struggled to keep up with her credit card debt. She faced a minimum monthly payment of $274 plus $154 in monthly interest plus a $99 annual credit card fee. She said it felt like she was on a treadmill. She decided to refinance with a personal loan, which spared her from what would’ve been $14,000 in interest over time. Secret No. 4: You Can Leave Your Kids $1 Million for $5/Month If you have kids, you’ve probably worried about what’ll happen to them if something were to happen to you… For single mom Rebekah Pearsall, this was difficult to consider. “Since my son doesn’t have a biological father in his life, I wanted to make sure he was secure if something were to ever happen to me,” she said. That’s when she started looking into life insurance. Before you start thinking you don’t have the time or money for that, look into policies through a company called Bestow. It offers $1 million policies starting at only $5 a month. Your application shouldn’t take more than about five minutes. You can change or cancel your plan at any time. Plus, the security of knowing your family is taken care of is priceless. Pearsall had seen firsthand the benefits of life insurance; her childhood friend lost his dad and life insurance helped his family make it through that time financially. It takes only a few minutes to get a free quote. Secret No. 5: You Don’t Have to Have an MBA to Start a Business If you dream of starting a business, don’t let the fact that you don’t have a business degree from an Ivy League school hold you back. (Yeah, imposter syndrome is the worst.) We’ve talked to plenty of women who’ve successfully started businesses on their own. Here’s a story that really resonates with our frugal hearts: The Budget Mom. After graduating college, Kumiko Love had $100,000 worth of debt — student loans, credit cards and medical bills. All that good stuff. Still, she had trouble sticking to a budget. So she gave up. Then she started studying the psychology behind money and that gave her a renewed hope: She started viewing her situation through a positive lens. She combined several budgeting tactics and started logging her process through her blog, The Budget Mom. And guess what? Love is now debt free and she recently quit her full-time job to focus on her seven-figure business, The Budget Mom. *The Ellevest The Penny Hoarder promotional offer is valid for the first 1,000 new clients of Ellevest who enter through this designated landing page. Clients who enroll and fund their non-retirement account will receive $25 added to their highest priority goal in their Ellevest account. Clients who enroll and fund their retirement account will receive a $25 Amazon gift card which can be redeemed by visiting www.amazon.com. Please review Amazon.com Gift Card Terms and Conditions prior to redemption. Ellevest is not responsible for lost Amazon Gift Cards. Ellevest’s processing time for depositing $25 into a client’s Ellevest account or delivery of a $25 Amazon gift card may be up to 60 days. **Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits. Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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ALEX Toys Sweetheart Cafe

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ALEX Toys Sweetheart Cafe
  If you have little ones that like to play pretend, this would be a great deal to grab! You can grab the ALEX Toys Sweetheart Cafe for only $21.99. You will be saving 51% on this purchase because it is normally $44.50! Make sure that you grab this deal soon because the prices can change ... Read More about ALEX Toys Sweetheart Cafe The post ALEX Toys Sweetheart Cafe appeared first on Penny Pinchin' Mom. [...]
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ALEX Toys Craft Color and Cuddle Washable Pony

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ALEX Toys Craft Color and Cuddle Washable Pony
This would be a great deal to grab for your little ones. You can get the ALEX Toys Craft Color and Cuddle Washable Pony for only $7.58. That is a savings of 59% because it is normally $18.50. The ALEX Toys Craft Color and Cuddle Washable Pony comes with the Color and Cuddle Pony as ... Read More about ALEX Toys Craft Color and Cuddle Washable Pony The post ALEX Toys Craft Color and Cuddle Washable Pony appeared first on Penny Pinchin' Mom. [...]
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Green Toys Tool Set

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Green Toys Tool Set
Grab this toy set as a gift idea and save 33% right now! You can get the Green Toys Tool Set for only $20.11. You would usually pay $29.99 for this fantastic play tool set! Be sure that you grab this deal soon because the prices can change at any time! The post Green Toys Tool Set appeared first on Penny Pinchin' Mom. [...]
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