Coupons Do Work

AUGUST 5, 2016

The options: ACH (bank direct deposit) – no bonus. Amazon gift card – currently 3% bonus. Amex gift card – promo 5% bonus to August 31, 2016 (previously 3%). Consider if the 5% bonus for a gift card is preferable to direct cash that you can then use for spend with bonus credit cards. PayPal – no bonus.

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Giving Gift Cards GNC Credit 100

Savings Corner

APRIL 4, 2024

Try to boost your credit score ahead of time by paying off credit card balances and avoid applying for new credit accounts. Income verification: You can provide a pay stub, bank statements, tax returns or even 1099 forms if you’re self-employed.

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Debt Credit Cards Credit Home Improvement 52

Savings Corner

DECEMBER 25, 2023

If you don’t have a credit history, it’s hard to get a loan, a credit card or even an apartment. But how are you supposed to show a history of responsible repayment if no one will give you credit in the first place? There are also ways to use rent, phone and utility payments to build credit.

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Building Credit Credit Cards Taxes 52

Prairie Eco-Thrifter

JULY 15, 2013

As I read financial blogs, I find that a lot of bloggers seem to like to pay for everything with their credit card. You can get rewards or cash back , the credit card company tracks all your purchases for you and may even show you a yearly statement indicating the percents you spent on that card in various categories.

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Used Credit Cards Psychology Credit 234

Penny Pinchin' Mom

JANUARY 16, 2024

Automate Your Contributions This is something I have decided to do with my kids: as soon as anyone turns 18, I’m going to give them $500 as a start-up investment in their Roth IRA. Pay Attention to Interest Rates Did you know that 82% of all Americans have a credit card, and 61% of them have credit card debt?

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Personal Finance Finance Tips Finance Mom 52

Savings Corner

DECEMBER 27, 2023

Lenders typically like to see that you can cover your monthly bills, including any other loan or credit card payments, and have money left over after your new personal loan payment. On-time loan payments build credit. Rates may be lower than credit cards and other high-interest loans. Fixed, predictable payments.

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Credit January Debt Credit Cards 52

Prairie Eco-Thrifter

JUNE 12, 2016

When it comes to borrowing money, having bad credit can limit your options. Banks and other lending institutions often require you to jump through hoops just to get to the cash you need. If you are in need of money and don’t have the time to go through a credit check, there are other ways you can get access to cash.

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Credit Money Credit Cards Bank 124

The Frugal Girl

NOVEMBER 27, 2023

I made some foolish choices shortly after graduating college, burning through my savings and running up credit card bills. the Very Fun, Very Fancy lemon After about a year as a restaurant manager after college, I decided to give an engineering job a try, knowing that I could always quit if I didn’t like it.

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California Cars Car College 172

Savings Corner

APRIL 4, 2024

Brick-and-mortar banks tend to work with businesses that have a strong financial profile. Alternatives like online lenders may lower their qualifications, helping startups and business owners with subprime credit get a business loan. For the best interest rates, most banks will look for a score of 680 or higher.

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Prairie Eco-Thrifter

FEBRUARY 3, 2016

No, we won’t put that on the credit card and pay for it later. Take them to the bank and let them see you make your deposits. Buy them a piggy bank and help them remember to feed it when they can. Let them open their own bank account. Take them into the bank. Credit cards require maturity.

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Work Kids Bank Banking 100

Penny Pinchin' Mom

FEBRUARY 16, 2024

Here’s why: It leaves you with more disposable income It gives you greater peace of mind It makes it easier for you to invest the extra cash When you don’t have crushing credit card debt to worry about, you can plan your finances better, invest more, and spend the excess cash on better insurance policies for yourself and your family.

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Penny Pinchin' Mom

MARCH 11, 2024

So, whenever I banked my check at the end of the month, $600 automatically disappeared from my savings account. So I would suggest using this method until you have your spending habits under control, and then you can go back to the credit cards. What I do is use my credit cards in conjunction with cash back apps.

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Saving Money Money Saving Credit Cards 52

Coupons Do Work

OCTOBER 3, 2016

Since I do not use a credit card anymore (and read recently that banks are in debt due to too much credit cards out there), why not start saving now, with these easy tips : Want more frugal tips/ articles/ DIY stuff? Banks will pay you for a new account! They switch banks. that means, money!

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Christmas Swagbucks Bank Banking 153

Motherhood Moments

JANUARY 24, 2023

They will either give you a fixed-rate or adjustable-rate loan , and the difference will determine whether you pay the same amount going forward or if your payment could change. That way, you can start building momentum as you see the loans and credit cards fall off of your report.

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Money Home Real Estate Warranties 130

Family Balance Sheet

MARCH 4, 2015

Include anything that you’d like to add to give the reader an idea about your personality. in credit card debt, and an additional $28,756.17 I’m so glad you asked this because it gives me the opportunity to speak about the notion that once you get out of debt, you’re good. Review bank accounts daily.

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Debt Credit Cards Debt Free Student 100

Prairie Eco-Thrifter

JUNE 14, 2012

So we just give up on trying to control expenditure and saving. This can be as simple as forgoing dinner out sometimes and cooking at home more; taking your lunch from home sometimes instead of always buying it; and the oldie but goodie – giving up one expensive Starbucks coffee a day. Reduce Your Credit Cards Ouch!

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Simple Finance Budgeting Budget 221

Savings Corner

DECEMBER 27, 2023

Check your credit score First check your credit score to assess your financial picture. A high credit score gives you a better chance of qualifying for a personal loan and getting a lower interest rate. Credit scores typically fall into these categories. 720 and higher: Excellent credit.

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Prairie Eco-Thrifter

FEBRUARY 1, 2011

If you want to protect yourself and your family, try the following tips: Don’t give anyone your personal information unless you know the person or company you are dealing with. Never disclose your personal information such as a bank account number in an email. Open and unused credit accounts are a prime target for crooks.

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Identity Theft Credit Cards Hard Drives 2004 150

Prairie Eco-Thrifter

MAY 27, 2012

If you identify that you might be heading for financial disaster like I was, we’ll give you strategies to turn things around. See if you can identify with any of these statements: I spend more than I earn I don’t have a household budget I use credit cards all the time to buy everyday essentials like food, gas, transport.

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Emergency Fund Credit Cards Budgeting Budget 212

Couponing 101

NOVEMBER 27, 2019

But you don’t need to break the bank to give your friends and loved ones amazing gifts! Some credit card companies also offer additional savings by shopping through the links they provide, so you might look for offers on your credit card provider’s website. Give Several Small Gifts.

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Saving Money Money Holiday Gifts 64

Family Balance Sheet

JUNE 8, 2018

Do you look at your bank account and wonder, “where did all the money go?” Many years ago, our cash flow sucked, we put Christmas on a credit card, and I wasn’t sure how I was going to pay for a large tax bill. You are directing your money where to go–giving YOU the authority over your money.

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Budgeting Budget Financial Goals Goals 133

For the Mommas

SEPTEMBER 20, 2013

Just don’t put financial information out there, i.e. bank accounts, credit cards). Take a video of each room in your home, store at bank deposit box or give to a friend/family. Scan the worksheet to your email account and to a friends/family email for safe keeping. Add it to a site like Dropbox or Evernote.

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Home Bank Banking Credit Cards 65

Prairie Eco-Thrifter

MAY 26, 2016

Both are now old enough to open a bank savings account. I would go into the bank with my stubby little hands clutching my months worth of allowance (total of $1), deposit it and see the results right off printed in my book. Most of the time, the best we can expect from bank savings accounts has been from 2% to 5% before inflation.

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Money Saving Money Lowes Grandchildren 124

For the Mommas

JUNE 29, 2015

With hackers tapping into major businessesí credit card information, and credit card companies issuing offers to your toddler, you never know where or how your information can fall into the wrong hands. All those airline credit card offers, those offers for your toddler, old bank statementsÖ donít just throw them away.

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Identity Theft Family Credit Cards Bank 40

Family Balance Sheet

FEBRUARY 23, 2016

We’re going to give it everything we’ve got and hopefully pay off the last of our non-mortgage debt by the end of this year. The link will give you all of the information you need to complete the sheet. What are you willing to give up to reach your goal? So I created a goal tracker and I’m giving one to you.

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Debt Goals 2016 Calculators 100

Couponing 101

APRIL 23, 2013

Right now they are offering a FREE $10 gift card to new customers when you spend your first $10. Register a debit or credit card with Plink. Use that card to spend at least $10 at any Plink-registered store or restaurant before 4/28/13. Plink does have bank level security.

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Gift Cards Gifts Eating Out Burger King 99

Family Balance Sheet

OCTOBER 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. Include gifts, decor, cards, postage, party planning and prep, and any other holiday expenses you can think of.

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2019 October Club Christmas 100

Couponing 101

SEPTEMBER 10, 2013

Right now they are offering a FREE $10 gift card to new customers when you make a purchase at CVS. Register a debit or credit card with Plink. Use that card to make a purchase at Chipotle before 9/15/13. Please note that you have to give credit card or debit card information to take advantage of this offer.

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Gift Cards Making Gifts CVS 100

Savings Corner

APRIL 4, 2024

HELOCs (home equity lines of credit) come with variable interest rates and fluctuating monthly payments (like credit cards). Home equity lines of credit (HELOCs) and home equity loans are two similar finance tools — methods of borrowing money against the ownership stake you have in your home. HELOC: What is it?

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Home Work Debt Credit 52

Family Balance Sheet

SEPTEMBER 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. I like the online bank, Capital One 360, because it connects with your local checking account, but is not quickly assessable.

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2019 September Club August 100

Nicoles Nickels

DECEMBER 2, 2012

From home it took me a few minutes to enter in my banking info. I could either verify instantly by giving my bank username and password or wait a few days for them to deposit some money into my account which I would need to verify the amount. In 30 seconds I was able to load money onto my card from my bank account!

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Used Bank Banking Credit Cards 63

Prairie Eco-Thrifter

OCTOBER 26, 2014

In addition, don’t forget other people you may give a little extra to like your mailman, hair dresser, and child care provider, to name a few. Then you’d only give a present to the person whose name you drew, which could slash your spending depending on how many siblings you have. You can also try taking surveys.

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Holiday Emergency Fund Homemade Eating Out 169

For the Mommas

DECEMBER 10, 2015

Dont have a Target Red Card ? Sign up today for either the credit card OR their awesome bank-linked debit card, both of which will give you 5% savings on every single purchase you make at Target. Choose from a FREE 16 oz JambaGO Smoothie, small ICEE or small soda from the Target Cafe.

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Drinks Target Credit Cards Bank 40

Couponing 101

AUGUST 22, 2013

Right now they are offering a FREE $10 gift card to new customers when you make a purchase at Chili’s. Register a debit or credit card with Plink. Use that card to make a purchase at Chili’s before 9/1/13. Plink does have bank level security. Here’s what to do: Sign up for Plink.

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Gift Cards Making Gifts Burger King 67

Couponing 101

SEPTEMBER 4, 2013

Right now they are offering a FREE $10 gift card to new customers when you make a purchase at Walgreens. Register a debit or credit card with Plink. Use that card to make a purchase at Walgreens before 9/15/13. Please note that you have to give credit card or debit card information to take advantage of this offer.

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Gift Cards Walgreens Making Gifts 64

For the Mommas

JUNE 5, 2013

The basics of it is this – Plink connects to your credit/debit card and automatically gives your points – which then can be used for rewards. Plink is designed so you don’t have to carry around an additional card, print out coupons, or use some sort of code to get your rewards.

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Work Bank Banking Restaurant 67

Couponing 101

AUGUST 20, 2013

Right now they are offering a FREE $10 gift card to new customers when you make a purchase at Office Max. Register a debit or credit card with Plink. Use that card to make a purchase at Office Max before 9/1/13. Please note that you have to give credit card or debit card information to take advantage of this offer.

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Gift Cards Office Gifts Making 61