Why Have a Financial Plan?

Posted on August 27th, 2014 by Discount Debbie

financial plan

Financial planning can be important for a number of reasons. It can give us peace of mind, help us plan for our future, and lets us know when we need to add to our plan. Most of all, it’s a blueprint of where you are financially and where you are going.

Reduces Stress

Having a plan when it comes to your finances can help fight off the anxiety you may feel about your financial future. If you feel uncertain, tense, or all around frustrated about your money, you need a financial plan. It gives you a sense of control over your money and financial situation. It helps you feel secure in your living condition. In short, chances are if you are feeling stress over money, a plan will help ease your mind.

Extra Expenses

Sometimes a bill will show up, that you have forgotten about. Sometimes you have an extra expense you know about like a birthday party or gift.  One way or another you will need to know when you need extra money. It could mean that you cut back on other items or that you work extra hours. The important issue is knowing when it’s necessary to have that surplus of cash available to you.

Timing

Let’s face it. You may make enough money to make ends meet, but it doesn’t show up in your account quite when you would like it to. Mapping out your monthly bills and your paychecks will show you when you have the money to pay certain bills. Sometimes you will need to pay bills early or save the money for when the bill is due. Other times you may have the money right on time. Either way you need to know when you can count on that money being there for the the things you need.

 


Office Depot/Office Max Deals

Posted on August 27th, 2014 by Coupon Cathy

office depot

If you think about it, Office Depot/Office Max deals have back to school sales all year long. Pens, pencils, paper, binders, computers and printers periodically go on sale simply because that’s what they sell. What’s special now is that they all go on sale at the same time!  :)

Spiral 1-Subject Notebook $0.01
After Minimum $5.00 Purchase, Limit 3
Final Price: $0.01

Expo Low-Odor Dry Erase Chisel Point Markers, 4 ct $1.00
Limit 3
Use $1.25/1 – Expo Low Odor, Original Chisel or Ultra Fine, 4 ct or higher from SS 8/17
Final Price: Free

OfficeMax Mechanical Pencils, 25 ct $0.25

Office Depot Mechanical Pencils, 12 ct $0.25
Limit 3
Final Price: $0.25

Notebook 3-Hole Punch $1.00
Limit 3
Final Price: $1.00

Paper Mate InkJoy Single Pen $0.25
Limit 5
Final Price: $0.25

Lexar TwistTurn USB Flash Drive 16GB $5.99
Final Price: $5.99

Scotch Expressions Washi, Magic and Masking Tape $2.00
Use $1.00/1 – Scotch Expressions Tape (scotchbrand.com)
Final Price: $1.00

Post-it Super Sticky 3×3 Notes, 90 sheets 5 pads $5.00
Use $2.00/1 – Post-it Super Sticky Notes Purchase, $10 or more (scotchbrand.com)
Final Price: $4.00 each, when you buy 2

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Free Redbox DVD Movie Rental with Email Sign-Up

Posted on August 27th, 2014 by Freebie Felicia

Redbox

Free Redbox DVD Movie Rental with Email Sign-Up – Sign up HERE. Be sure to confirm your email address, then they’ll send you the free code within 48 hours. By the way, you can unsubscribe from the list anytime.


Free Subscription to Parents Magazine

Posted on August 27th, 2014 by Freebie Felicia

Parents Magazine

Free Subscription to Parents Magazine – Sign up HERE. (Feel free to select “No” to the other offers on the sign up form.)


Popular New Coupons!

Posted on August 26th, 2014 by Coupon Cathy

Check out these HOT new coupons from coupons.com. Click on any of these and be sure to look through the rest of the coupon site to find more printable coupons that would save you money!

$1.00 off FINISH POWERBALL, GELPACS or Cleaner

$1.00 off TWO Del Monte Fruit Burst Squeezers

$1.00 off 2 HORMEL REV Wraps

$4.00 off Touch Of Gray Mustache & Beard

$2.00 off any one Nature Made Adult Gummies


Walgreens Back To School Deals

Posted on August 26th, 2014 by Coupon Cathy

back to school chalkboard

Just in case one or two of you haven’t completed your back to school shopping yet. ;) Check out the hot back to school deals at Walgreens this week.

Wexford Wooden Ruler, 12 in $0.14
With In-Ad Coupon, Limit 7
Final Price: $0.14

Wexford 2-Pocket Paper Folder $0.14
With In-Ad Coupon, Limit 7
Final Price: $0.14

Crayola Art Supplies
Buy One Get One Free
Use $1.50/1 – Crayola Colored Pencils: Erasable, 24 ct or Twistable, 30 ct (savings.com)
Or $1.50/1 – Crayola Visi-Max Dry Erase Markers (savings.com)
Or $3.00 OFF – Crayola Products Purchase, $15.00 or more (bricks.coupons.com)
Final Price: Unknown

Mead Notebooks, Composition Books or Portfolios
Buy One Get One Free
Final Price: Unknown

Backpacks or Tote Bags $10.99 and higher
Buy One Get One 50% Off
Final Price: $8.49 each or higher, when you buy 2

Scotch Tape
Buy One Get One 50% Off
Buy 2, Receive 750 Balance Rewards Points
Use $1.00/1 – Scotch Expressions Tape (scotchbrand.com)
Or $0.50/1 – Scotch Heavy Duty Shipping Packaging Tape or Long Lasting Moving & Storage Packaging Tape (scotchbrand.com)
Or $0.50/1 – Scotch Heavy Duty Shipping Packaging Tape Roll from SS 8/10
Or $0.50/1 – Scotch Long Lasting Moving & Storage Tape from SS 5/11
Or $0.50/1 – Scotch Heavy Duty Shipping Packaging Tape from SS 5/11
Or $0.50/1 – Scotch Long Lasting Moving & Storage Tape Roll from SS 8/10
Final Price: Unknown

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Where Should The Money Go?

Posted on August 26th, 2014 by Discount Debbie

money

Do you know where your money goes? I would assume that since you are a frequenter of this site the answer is a resounding yes. You do your budgeting and track your money. You look for ways to save money and even make more when you need to.  However, most of us don’t know how much of our money should go to various expenses. I learned from this free course (  https://class.coursera.org/uffinancialplanning-001 ) where my money should be going.

The 10% Club

There are a five different categories in our spending that shouldn’t be more than one tenth of our income. Our first tenth should be put into savings. Second, we should put a tenth aside  in case of emergency. The third tenth should be used for recreation or education. The next tenth is used on gifts and contributions. This includes tithes, charity, and birthday gifts (If you’re a believer in a full 10% tithe, you’ll need to put birthday and Christmas gifts in another category). The last tenth is to cover our various insurances.

Under 10%

Surprisingly to me medical was in this category. This isn’t a part of insurance. This is what may be needed for a co-pay or to pay for a prescription. Medical expenses shouldn’t take more that .07 of your income. Next is personal items such as hygiene products or getting your nails done. These items can be expensive, but try to keep their cost under five percent. Another category that falls under five percent of your income is clothing. Luckily for us, thrifty divas know how to find a good deal on clothes.

Big Spenders

The one thing that should take up a third to half of our expenses is our home. This includes mortgage, upkeep, and repair. Following this is our car which we should invest about seventeen percent into. This covers our fuel, repair, and upkeep. If you do not own a car this is how much you should be limiting yourself to in the cost of public transportation. Last, but definitely not least, is our food budget, which should be about one fifteenth of our income.

 

 


Free Sample of Dove Body Wash!

Posted on August 26th, 2014 by Freebie Felicia

Free dove sample
Free Sample of Dove Body Wash – Sign up HERE.


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