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.

 


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.)


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 and Really Cheap Back To School Supplies

Posted on August 25th, 2014 by Coupon Cathy

backtoschool

I always find that the later it gets, the better the back to school deals get. Of course, it may mean that things have been picked over and that there are more people than you’d thought who also waited until the last minute. But, the deals are HOT! Check out the freebies and really cheap back to school supplies you can pick up this week.

TARGET

Buy 2 Sharpie Highlighters, 2 pk $0.89, regular price
Buy One Get One 50% Off through 8/30
Use one $1.00/2 – Sharpie Permanent Markers, Felt-Tip Pens or Highlighters, Target Coupon (target.com)
Final Price: $0.17 each, when you buy 2

Buy 2 Sharpie Ultra Fine Permanent Markers, 2 ct $1.47, regular price
Buy One Get One 50% Off through 8/30
Use one $1.00/2 – Sharpie Permanent Markers, Felt-Tip Pens or Highlighters, Target Coupon (target.com)
Or $1.00/2 – Sharpie Permanent Markers, Felt-Tip Pens or Highlighters, Target Mobile Coupon, Text SAVINGS1 to 827438
Final Price: $0.60 each, when you buy 2

Scotch Magic Tape $1.02, regular price
Buy One Get One 50% Off through 8/30
Use one $1.00/1 – Scotch Tape or Scissors Product, Target Coupon (target.com)
Final Price: $0.27 each, when you buy 2

Paper Mate Eagle Ballpoint Pens, 10 ct $0.97, regular price
Buy One Get One 50% Off through 8/30
Use one $0.50/1 – Paper Mate Pack, 2 ct or larger from SS 8/17
And use one $1.00/2 – Paper Mate Products, Target Coupon (target.com)
Final Price: Free, when you buy 2

Buy 2 Post-It Notes $1.02, regular price
Buy One Get One 50% Off through 8/30
Use one $1.00/1 – Post-It Notes Product, Target Coupon (target.com)
Final Price: $0.27 each, when you buy 2

Crayola Crayons, 64 ct $2.50
Buy One Get One 50% Off
Use $2.00 OFF – Crayola School Supplies Purchase, $10.00 or more, Target Coupon (target.com)
Final Price: $1.54 each, when you buy 6

RITE AID

Buy 4 Nestle Girl Scout Candy Bars $0.50 each, when you buy 2, sale price through 8/30
Use two $0.50/2 – Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, 1.3-1.55 oz from SS 7/13
And use one $1.00/4 – Nestle Girl Scout Candy Bars, Rite Aid Coupon (adperk.com)
Final Price: Free, when you buy 4

Have you procrastinated your back to school shopping until now?


Finding Free Education

Posted on August 25th, 2014 by Freebie Felicia

Free Education

I like learning, even when I don’t get a certificate to show my accomplishments. To this end I am constantly scouring the internet finding free classes, courses, and organized information. Here are a few websites and courses I have found.

Alternative Medicine

Before I go more into these sites and courses I will come right out and say these aren’t certified courses. They do not give you any medical authority. Even the courses that offer an optional certificate will tell you that they do not give you the legal authority to act as a practitioner. They do, however, give a good deal of information on herbal medicine. Some are lessons sent to your email, some have video, and others do not. There are a couple that offer you a chance to buy stuff. Still, if you are  survivalist junkie or just want to learn the way herbs could help our health here are a few places to look.

http://nccam.nih.gov/training/videolectures

http://naturalhealthschool.com/

http://www.learningherbs.com/

Homeschooling

I admit it. I plan to homeschool my kids. Between the things I have learned about Common Core, the violence that seems to annually make the national news, and what I remember from my school experience, my children are better off with me doing so. That is, as long as I do MY homework and build a great curriculum for them. Since my oldest is currently a toddler, now is a great time for me to do just that. With the joy that is the internet I have many options to choose from and all of them are free. The ones I chose to post today are strictly homeschooling, though there are also free public schools online as well.

http://www.amblesideonline.org/

http://www.softschools.com/

http://allinonehomeschool.com/

College Courses

Being able to teach my children also means continuing education for me as well. For this reason I search for free college classes. I was surprised that I found quite a few on various websites. Once again these sites may be interested in selling you a certificate, and in most cases these certificates actually carry weight. You still have the option to take or leave them. If, like me, you are interested in expanding your knowledge, you can find free courses online for everything from meditation to plumbing using these sites.

http://alison.com/

http://www.openculture.com/freeonlinecourses

http://www.free-ed.net/free-ed/

http://oedb.org/

https://www.coursera.org/

So in closing I send my best wishes to all you learners this school season and wish you happy low cost learning.

 

 


Don’t Downsize These Things

Posted on August 22nd, 2014 by Freebie Felicia

Don't Downsize

I love to downsize. It keeps the clutter at bay in my home. In the past, I have been known to downsize too much and find myself having cleaner’s remorse. While it is important to keep my home clean and uncluttered, it is equally important to save those items that I will need later.

Tools

Whether it’s a screwdriver or a crochet hook don’t downsize tools. There may always be a point when you may need them again. Tools, be they utility tools or crafting tools, take up space and may not be used very often. When you need them, however, the last thing you want is to be without them. Find an out of the way place for them and forget them until you need them, but don’t get rid of these items.

Baby Stuff

I have heard the old adage that states the best way to get pregnant is to get rid of all your baby stuff, but don’t. All the things you used with your first child, you will most likely use with your second and third child. Some items may appear out of date, but still work just fine for your younger children. In addition to this, baby stuff can be very expensive. You don’t want to need to buy it two or three times. Unless you are absolutely sure you aren’t having another child, I suggest keeping the baby stuff.

Records

In fact I recommend keeping two copies of banking statements, bills, and tax returns. Keep one paper copy and one digital copy. These items are worth their weight in gold and may keep you from spending just that. They prove that you have paid your bills, taxes, and give you information for the next time you need to talk to a representative. Also keep a copy of any confirmation numbers you may be given by companies proving that you paid. You may need them later as well.


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