I was compensated by Card.com in exchange for sharing this post with you. All opinions are still 100% my own.
I have two teenagers living in my household. We homeschool, so talking about money, credit cards, and banking are usually current topics around our breakfast and dinner table. Neither of my kids have a checking account, but they are always wanting to buy things online. I don’t like to let them use my credit card, so I am glad that there are companies like Card.com so that they can have their own prepaid debit card without the hassle of a checking account.
I am a member of the Collective Bias® Social Fabric® Community. This shop has been compensated as part of a social shopper insights study for Collective Bias and their client. All opinions are honest and are my own.
My son and daughter have grown up with Capri Sun products in our home. From the time that they were old enough to drink from a straw, they were a part of our lunchtime or travel time plans. Now that they are older and into their teens, those small drinks are just not big enough to quench their thirst. Thankfully, now there is Capri Sun Big Pouch.
Back to school time is in the air and that means TONS of shopping that needs to get done. For a lot of kids, mine included, they used to not be very happy about back to school shopping. Now that I let them be more involved, they love it. Here are 3 ways that you can get your kids excited about Back to School shopping.
I have been scouring the Internet lately looking for good back to school coupon savings. It has taken me a little bit, but here are the latest things I have found on sale and where to get the best savings.
Okay — my kids are homeschooled, but when it comes to back to school items, we need them just as much as kids who attend public or private school. I am not the type of mom who buys every single back to school item on the list, but there are 3 that I consider must haves that I always make sure we pick up.
I participated in this AMF Free bowling campaign as a member of One2One Network and am eligible for a prize drawing. All opinions stated in this post are my own.
My family loves bowling. We have been going since the kids were little, and it always makes for a great homeschooling field trip with friends. In the summertime, we always love the fact that we can go bowling for free, thanks to the AMF Summer Unplugged and their Summer Pass that they offer.
When I was just 17 years old, I applied for my first credit card. I had a new job, and with that job I was earning a lot of money. I was quite proud of myself. So — I got a credit card. It wasn’t a mastercard or anything like that. It was a credit card to Speigel’s and not only did they send me one, but they sent me two separate credit cards. It was at that moment, that I believe my addiction to shopping began.
Master Lock knows exactly how important tax season is. With the deadline looming right around the corner, here are a few top tax tips to make sure that you are on the right track with your taxes for 2013.
1. Request electronic copies of your tax forms. Many employers offer employees the option to receive their W-2 forms electronically, instead of by mail. By eliminating the risk of postal delays or missed deliveries, this ensures that your W-2 will be delivered securely as soon as it is available. Plus, faster W-2s can mean faster tax returns.
2. Securely store documents online. Avoid the mess of a mound of paperwork by storing – and organizing – all of your tax-related documents online. By utilizing a free, secure service such as the Master Lock Vault (www.masterlockvault.com) you’ll have easy access to all of your files wherever you are and help ensure that none of your paper documents will ever be lost, misplaced, stolen or damaged. Not only can you upload PDF forms, but you can upload photos from your phone of important receipts and expenses for your records. All data is instantly synchronized between the website and the App. Bonus: securely store log-in information for your bank accounts and tax filing site in the Vault so you’ll never have to worry about forgetting your username or password.
3. Think taxes year-round. Don’t wait until you’re ready to file your taxes to start collecting and organizing the supporting documents you’ll need to complete your return. Avoid the scramble by capturing and uploading a digital image of your receipt each time you pay the babysitter or have a tax deductible transaction, fill a prescription at the pharmacy, or make a charitable contribution such as dropping off a clothing donation to your local thrift store.
4. Opt for direct deposit. If you’ve done everything else online, why request a hard-copy check when it comes time to claim your refund? When combined with electronic filing, direct deposit is the fastest way to get your refund. If you’re on the other side of the spectrum and find that you owe taxes, opt to pay online and you can avoid the long tax-season lines at the post office.
5. Call for help. Sometimes, outside advice is necessary, and you can now get the help you need without leaving home. Based on the complexity of your question, there are a variety of resources to turn to. For example, the IRS offers a toll free hotline for tax questions during weekdays. Several tax-prep software providers also offer guidance via online forums or on their social media feeds.
Enter to win a chance at $1000
Want an extra tax refund? Sign up for the free secure online storage and organization service called Master Lock Vault and you can enter for a chance to win one of five, $1,000 prizes in the “Tax Relief Rewards” Sweepstakes. Enter at http://bit.ly/13tV0rX
What is the Master Lock Vault? It is a safe and secure online storage and organization system. With the popularity of filing taxes online continuing to rise, Master Lock is providing consumers with the digital tools and top five tips to simplify the filing process and keep private income information safe.
I was sent a locking safe from Master Lock for files in order to share this post with you. All opinions listed are my own.
When I was 16 and got my first car, gas was only 1.00 a gallon. That honestly seems like such a long time ago now that gas is around $3.50 a gallon! Every year gas costs seem to rise more and more. It makes me want to stay at home and NOT leave! There are a few things that you can do to help save money on your fuel costs. I have listed 5 of my favorite ways below.
5 Ways to Save Money on Your Fuel Costs
Plan Your Route
I can’t tell you the countless times that I have run out to go do my errands only to find myself driving and backtracking. On a day when you know that you have to go run errands, make yourself a map of all the places you have to visit. Put them in order so you can just make a round trip without having to backtrack. It will save on gas in the long run.
When You Can — Carpool
My friend and I like to take shopping trips to the city. She always offers to drive, so she and I split the gas when we go. This helps me from having to pay the full price for a tank of gas.
Change Daily Trips Into Weekly Trips
I am THE world’s worst about making a daily trip into town, simply because I live right here in town. However — it still costs me gas to do that. The best thing you can do is start planning out your trips and only go once a week instead of daily. Do all your shopping, bill paying, and whatever else you have to do all in one trip. This will also help you save money at home as well because you will be less tempted to eat out. You will fix more meals at home.
Buy Your Gas During the Week
Try to buy your gas during the week if you can. Our local stations have always pretty much raised their prices on the weekends, and especially on holiday weekends. So wait to fill up until they come back down a bit, maybe on Tuesdays or Wednesdays.
Join a Fuel Rewards Network Program
I was recently introduced to Fuel Rewards Network Program.It’s really easy to use. Simply shop with participating Shell stations, restaurants, online merchants and more to earn fuel rewards savings redeemable at Shell Stations nationwide. It’s like you are getting paid FREE gas just for doing what you do everyday!
With the Fuel Rewards Network Program, you can earn rewards just for the things you buy. If you dine out, you can earn .10/per gallon off for every $50 you spend. For my family of four — that is not hard to do at all. If you do a lot of shopping online, Fuel Rewards Network Program has an online mall. Shop through major name brands like Gap, Old Navy, Home Depot, and Best Buy, and you can save .5/per gallon for every $50 spent.
Enter to Win
Right now, I am giving away 5 Fuel Rewards Network Program Cards that are already pre-loaded with $1.00 per gallon in fuel savings. All you have to do to enter is use the Rafflecopter form below. It’s really very easy! This giveaway will close on 3/17 and all cards will be mailed out to the winners.
a Rafflecopter giveaway
I was provided a Fuel Rewards Network Program card to use for my review and 5 to give away. All opinions listed are my own.
Christmas–with no debt, less stress, and more joy!
Christmas may be the most wonderful time of the year, but it’s also one of the most stressful–and most expensive. Expectations run high, and it’s tempting to whip out the credit cards to create the perfect Christmas, with lavish meals, new decorations, and the latest, greatest gadgets and fashions for everyone on your gift list.
But you don’t have to overspend or go into debt to have a fabulous holiday.
Financial expert Mary Hunt shows you how to assess your situation, commit to no new debt, and think creatively about gifts. With Mary’s guidance, you’ll discover what caused you to overspend in the past and how to approach this Christmas with a plan. It just might be the best gift you can give yourself and your family.
Christmas has become so commercialized. Spend, spend, spend. It almost makes you NOT want to do Christmas. However, Mary takes the time to teach us what we can do to celebrate Christmas without breaking the bank.
I love Mary’s books. Her tips and information have always been so helpful in teaching me how to stretch my dollars and still have a memorable experience. In her latest book, Debt Proof Your Christmas, it’s no exception.
One of my favorite ways to debt proof my Christmas is by making homemade Christmas goodies for my friends. The gift means more than something store bought, and the money that I do spend is in my budget and the love that is displayed in my homemade goodies says it all. You can have Christmas without breaking your pocketbook!
About the author:
Mary Hunt is an award-winning and bestselling author, syndicated columnist and sought-after motivational speaker who created a global platform that is making strides to help men and women battle the epidemic impact of consumer debt. She is founder and publisher of the interactive website Debt-Proof Living, which features financial tools, resources, and information for her online members. Her books have sold more than a million copies and her daily newspaper column is nationally syndicated through Creators Syndicate, and is enjoyed by hundreds of thousands of Everyday Cheapskate readers. Hunt speaks widely on personal finance and has appeared on shows such as Good Morning America, Oprah, Dr. Phil, and Focus on the Family. She and her husband live in California.
I received a copy of this book in order to write my review. All opinions listed are my own.