Free Credit Score!

Posted on September 23rd, 2014 by Freebie Felicia

Did you know that the recent FTC study found that over 20% of Americans or 40 Million credit reports have reporting errors that are costing consumers money in credit card interest rates and loans? Make sure you’re not one of them! Sign up to here for FREE to make sure that your credit report does not contain erroneous information that could be impacting your credit score. Keep tabs on your credit report activities and your score by signing up for free credit monitoring and score services like Credit Sesame, so that you can easily protect your financial good standing.

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Free Credit Score AND Credit Report

Posted on September 18th, 2014 by Freebie Felicia

Free Credit Score AND Credit Report (as complied from TransUnion). Your Credit Score 100% Free. Easily see your credit in seconds. No strings attached. Never a need for a credit card number. Actively manage your credit health Savings. Advice Based on Your Needs Dedicated Credit Specialist Support.


Before You Get To The Hospital

Posted on May 12th, 2014 by Discount Debbie

hospital

Few costs can be more daunting than hospital bills. They are high even with insurance! Some people don’t know what to expect. Others even avoid getting medical treatment because they fear the cost. It is important to get the care you need and many hospitals want to make your care possible.

Call The Insurance Company

The insurance company is able to explain  how much money is needed to pay as a deductible. They are also able to explain what percentage of hospital costs are your responsibility to pay. This helps us be able to better prepare and plan how to pay our hospital bills. If you have two types of insurance (a primary and a secondary) you will need to know how much each company will be paying and what cost that leaves you. It’s important to make sure that you and these companies are all on the same page.

Talk To The Hospital

Hospital expenses can be broken down in a number of ways. There are physician expenses and actual hospital stay expenses. They can tell you the actual price of these services. They can also tell you how to contact the services that they either outsource or don’t have costs for. They don’t just help you get your financial planning together, they can also register you for planned procedures so you don’t need to fill out paper work while going into labor or surgery.

Round Up

In some medical cases you aren’t sure how much medical care you may need. In cases of pregnancy there may or may not be a cesarean or epidural. When it comes to dental you may need to be asleep. Other times a numbing agent will work fine. In either case, there are costs that you may or may not have to pay but won’t know until the event happens. In these cases it is best to plan as though you will be paying for these services. It’s better to plan for more than you will need to pay than not have saved enough money to pay.

 


File Your Federal Taxes Free (and EASY) Online with H&R Block!

Posted on February 14th, 2014 by Freebie Felicia

Still need to file your taxes? Filing online with H&R Block is easy and, best of all, e-file your federal taxes for free! (State tax returns are an additional fee.) Click HERE to get started.


Teaching Children Delayed Gratification

Posted on February 14th, 2014 by Discount Debbie

Looking for a few good ways to teach children how to spend and save wisely? Children can be taught gradually without too much trouble and make it a part of their lives.

Toddlers

It’s hard to teach a toddler that they can’t always have what they want when they want it, but it is possible. We started by taking our child down the candy or toy section of a store without buying anything. We wouldn’t do it just to teach them delayed gratification. We just didn’t avoid those parts of the store if they were the shortest distance to where we were going.

Having  a schedule also helps a child between the ages of one and four to wait for something they want. It doesn’t matter if it’s a snack or story time. When there is a set time for a certain activity children learn to wait for what they want while still knowing that it will happen. This will cross over into their financial life when they are older. They will learn they may have an item later but it doesn’t have to be now.

Elementary School Age Kids

At this age children are old enough to learn that money doesn’t fall from trees. Prepare a set list of activities that they can do to earn money. Do you want them to study? Are there chores that need to be done? Let your children learn that earning money comes before spending money. It may also teach them that what they want is not always worth the work or money.

There are two important parts to this process. First a parent must be clear about the standard of job expected. Don’t tell your child they must get good grades. Tell them they must get at least a B in their classes to earn their pay. Second, if the child does the job, be prepared to follow through on your part of the bargain. This instills in children that work pays off, rather than adults don’t keep their end of the bargain.

Teens and Preteens 

The bank of mom has closed. Yes as parents we will feed them, make sure they get medical attention and provide a free bed. Because we love them there will give Christmas and Birthday presents and we will celebrate their accomplishments. We will even pay for all the field trips they go on for band. When it comes to that over priced pair of jeans, however, it’s time to go out and cut the neighbor’s grass. Or go babysitting. No more family generated work. It’s time to make an effort outside the home. We’ll see if those jeans are really worth twenty hours of babysitting.

This is also a good time to start preparing these soon to be adult children for financial independence by letting them see your financial situation. Explain how to set up utilities. Let them learn what a standard electric bill costs. Teach them about late fees, credit and interest. This will prepare them for getting started on their own financially.


Spending a Tax Refund Wisely

Posted on February 5th, 2014 by Discount Debbie

So we have gone through the torture of filing our taxes, waited for the money to come in, and now we are rewarded with a nice refund check. Stop and think before spending that money on a huge shopping spree or trip to see Loch Ness. There are other ways that money can make our lives better in an every day sense.

Get Out Of Debt

Nothing gives financial stress relief more than getting out of debt. Pay off credit cards. Bring bills up to date. Pay off student loans or car loans any other kind of loan hanging over our head. Getting out of debt also lowers our monthly cost of living. We no longer have credit card or car payments. If we need to we can lower the coverage of our car insurance to liability (though only if we’re desperate to save some money… which yeah, we are).  We save the extra money for retirement, a family vacation, or a rainy day.

Buying a Step Up

We plan to get a better car this year. Not a new car, but a car better than the current vehicle we have. It will be safer and also have better gas mileage. In short it will fit the needs of our family better. We are hoping our next step up will be buying a house. We plan to save what we can over the year and supplement our savings with our tax refund in the hopes that it will be enough for a down payment.

A word to the wise: Always have a plan B when preparing for a needed step up. Tax laws change every year. It is best to use a refund as a bonus, instead of hinging the whole plan financially on the refund.

Preparing For The Future

Are you a little behind preparing for retirement? Use your refund to pad your savings. Is a baby on the way? Use your refund to buy furniture, diapers, and formula. Are you looking for a better job? Use the refund to get the education and training needed for your new line of work.

Preparing for the future is one of the best things we can do with our tax refunds. It keeps us looking to the future instead of looking back and wondering what if.


Budgeting Made Easy!

Posted on June 6th, 2013 by Discount Debbie

I don’t know about you, but budgeting is SO much easier when I have a simple online form that I can use to help me organize it all (and also help me do the math!). Create your completely customizable personal budget at LearnVest.com for free!


Enter for a Chance to Win $2,500

Posted on April 23rd, 2013 by Discount Debbie

Organize your bills for free AND enter for a chance to win $2,500!

Kick off 2013 and use Manilla to organize and simplify all of your accounts in one secure place. Enter The Manilla Get It Together Challenge to become more organized and win the I Got It Together $2,500 Grand Prize and other amazing Manilla partner prizes.

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Manilla.com is the free service that allows you to manage everything in your life in a single place. Manilla.com and the 4+ star Manilla mobile apps organize and simplify your life by providing one secure access point and a single password to access all of your household accounts including financial, utilities, subscriptions, daily deals and travel rewards. Using a single password, Manilla customers get an automated, organized view of all of their account information, as well as text and email reminders to pay bills, renew expiring subscriptions and manage soon-to-expire daily deals, all with unlimited storage and seamless document retrieval. For more information, please visit www.Manilla.com.

 

*This is a sponsored conversation written by me on behalf of Manilla.


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