Monday, November 19, 2018

Earn Big Cash Back this week leading up to Black Friday #ad

Disclosure:  This is a sponsored post.  I receive SB for sharing.



As a pre-Black Friday warm up, Swagbucks is offering big cash back for shopping online at several of your favorite retailers right now! Just go to this page to see all of the deals available and get the jump on your holiday shopping.

In order to take advantage of the cash back, just create your Swagbucks account when prompted (it takes less than 30 seconds) and then you're all set! Your cash back comes in the form of SB points, which you can redeem for gift cards to places like Amazon, Target, Walmart, Starbucks, or get PayPal cash! 

As a special bonus, if you sign up through me you get a 300 SB ($3) bonus when you earn your first 300 SB before December 1st! This site's a great way to extend your shopping budget, especially around the holidays!

Monday, November 12, 2018

Start a New Family Tradition with a Package From Santa #ad

Disclosure:  This is a sponsored post.  I will receive a Silver package for sharing!



Start a Magical Christmas Family Tradition That Your Child Will Cherish Forever!
Give the one-of-a-kind memorable EXPERIENCE of receiving a Package From Santa!
Every Package From Santa includes both tangible & technological delights including:
* a personalized Santa Letter that arrives in the mail
* a personalized VIDEO starring your child via email
* a personalized PHONE CALL
* a personalized printable NICE LIST GUIDE
* and the option to upgrade with MORE goodies!

Get 25% off every package you order using code FAM2060
This uniquely personalized gift experience creates Christmas wonder and excitement that your child will never forget!
Have your camera ready to video every step of this special Santa experience! It all starts at the mailbox when the Package From Santa arrives from the North Pole! Delight in the process of making Christmas magic come alive in a very personal way for your child, grandchild, niece, nephew, or any little one you know!

This esteem-building personalized gift is an amazing experience of joy, memories, wonder, and happiness!

PackageFromSanta.com has options for EVERY BUDGET starting at $14.95 with an array of add-on goodies to choose from. Create a custom package for each child!

Get 25% off every package you order using code FAM2060

EVERY package come with:
-Personalized Letter from Santa
-Santa's Special North Pole Return Address Label
-Genuine North Pole Stamp
- 90-day money-back guarantee
-FREE Personalized VIDEO
- FREE Personalized PHONE CALL from Santa
- FREE Personalized printable NICE LIST GUIDE

Order this holiday must-have for your child at https://www.packagefromsanta.com/

Get 25% off using code FAM2060

Large Expenses That Could Be Destroying Your Budget



Living expenses can grow massively over the years, causing your monthly budget to become unmanageable and impossible to live with. If you’re living paycheck to paycheck or even run out of cash before the end of the month, then something needs to change right away. The biggest expenses in your budget, like groceries and housing, are far from unnecessary, but there’s also no need for them to be quite so large. With that in mind, here are five large expenses that could be destroying your budget and things that you can do to reduce them.

1. Housing
Your rent or mortgage will understandably take up a large portion of your budget, often as much as 30% of your monthly income. If your housing costs are even larger than that, then you may want to consider moving to a smaller property or cheaper area. Just make sure that you take the moving costs and any other additional expenses into consideration. Of course, this may not be something that you can or want to do, in which case, you could speak to your landlord or lender.



2. Energy
With the cold weather drawing in and winter just around the corner, homes all over the country are sure to see a rise in their energy bills. To limit this and keep costs low, you should find ways to stay warm without cranking up the heat. For example, you could invest in roof insulation and block up any draughts around your home. You could also wear extra layers. To keep electricity costs down, you need to eliminate phantom energy by turning things off when they’re not in use.

3. Entertainment
Getting rid of your television altogether is a brilliant way to reduce energy and entertainment costs. That being said, it’s far from a realistic solution. Instead of taking away your TV altogether, you could cancel your cable and use streaming services instead. This way, you can still watch anime, television shows, films, and more, but for a much smaller cost. You could also look for free things to do in your local area instead of spending every time you want to have some fun.

4. Transportation
No one realizes just how expensive cars are until they have one of their own. Most only really consider the cost of gas, but there is also insurance, tax, parking, maintenance, and much more to take care of. To cut this expense drastically, you could trade in your car for a cheaper one or even ditch driving completely. After all, public transportation is often a lot cheaper. You could also try walking or cycling to work, as this is free and allows you to get a workout in too.



5. Groceries
Food can get incredibly expensive if you’re not careful, but, with some thought and planning, it is possible to eat healthily without breaking the bank. You should start by writing meal plans and shopping lists and actually stick to them. You should also try swapping to cheaper or generic brands and only eat fruits and vegetables when they’re in season. Limiting meals out will also reduce costs, but there are deals you can find when you do head to a restaurant.

There’s no way to escape many of the large expenses in your budget, but, hopefully, with the advice above, you’ll be able to reduce them and make your money go further.











Tuesday, November 6, 2018

End of Year Finance Tips and Advice


As the end of the year approaches there starts to come the realization that money isn’t as accessible as it seemed to be earlier in the year. The holidays are around the corner and the summer vacation is now a distant memory, albeit often an expensive one. So as we head into the final months, the time has come to assess bank balance and check our credit. 

It’s never a conversation that is enjoyable but with figures like $12.7 trillion for household debt being revealed by places like https://debtconsolidation.loans/ there comes a time that reigning in the spending becomes a necessity. So what can be done to prevent household bills becoming a bigger and bigger burden around our necks?

As discussed here, measuring your debt isn’t something to be afraid of and is actually quite a manageable task, especially these days with so many websites offering you advice on spending and cash flow. Developing a debt management strategy is one of the main ways forward and can be achieved by following a few easy steps. It is important to remember, you are not the first person to bulk at your bills, and you won’t be the last.

Source: pixabay.com

Make sure you are paying off your debts using your own prioritization system. Just because a figure is significant doesn’t mean it should be addressed first and vice-versa. Managing your accounts is more than just lifting the heavy load but also assessing your options to make the number of fiscal voices smaller and quieter.

Pay particular attention to the smaller sums in your day to day life. Is it cheaper to make something at home rather than buy out? Do you need to purchase something new for the house or will some DIY spruce up your living space just as well without causing extra strain on the purse strings? Saving on these smaller expenditures will soon add up and suddenly your bank account will start to look a lot healthier.

If you do have loans or bills to pay out, keep an eye on the time sensitivity of those payments. Some lenders will have extra charges attached to missed payments and the last thing you need is to add another sum on top of your year’s tally.

Remember you are not alone and for that reason, the internet as mentioned above is here to help you. There are several price comparison websites available to you for those purchases you must make and many other money saving tips out there. As debt rises so do the number of ways that we can manage costs and organize our lives.


Modern day life is chaotic enough so don’t let the burden of debt bring you down any further, take the time to assess your income and outgoings so that you can continue to enjoy the end of the year as much as the start.

Monday, November 5, 2018

Get 300 bonus SB when you sign up for Swagbucks in November! #ad

Disclosure:  This is a sponsored post.  We receive SB for sharing.



All throughout November, you can earn large bonuses when you sign up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you're probably doing online already, like searching the web, watching videos, shopping, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Target, or PayPal cash.

When you sign up through me this month, you can earn a 300 SB bonus! Here's how:

1. Sign up using this link

2. Earn 300 SB total before December 1st, 2018. You'll get a 300 SB bonus for it!

3. That's it. It's super easy, and Swagbucks is for real. I use it myself, and I've earned 208,803 SB and have redeemed for gift cards to Amazon and Delta Airlines, and I even redeemed for Paypal!

Earn BIG At The Register #ad

Disclosure:  This is a sponsored post.  We receive SB for sharing.



We're all looking for ways to save big at the register. Well, I've found a way to make every coupon I use at my local grocery store worth an extra 25¢!

How you ask? It's as easy as 1, 2, 3!

1) Sign up at Swagbucks.com and use my special code SBCouponer to earn an extra 50 points, that's 50¢ just for signing up!
2) Head over to the Grocery Coupons page and start clipping coupons for your upcoming shopping trip
3) Use the coupons the next time you shop at your local grocery store. You'll earn 25 points (25¢) for every coupon you use.
That's it!

But, that's not all... This month you can earn 1 point (1¢) for every coupon you print, up to 25 prints per day. That's an extra 25¢ every single day!

Saturday, November 3, 2018

3 Types Of Insurance All Adults Need

Insurance is an essential requirement for any family, forming a core protection against any expensive mishaps or problems in the future. However, with so many different insurance products on the market, how can you know which you should prioritize?

To answer this question, below, we’ve focused on the three key insurance products every family should own. If you want to purchase additional insurance products, you can - of course - do so, but we’ve focused on are the core essentials that everyone needs.

#1 - Vehicle insurance

In most jurisdictions, vehicle insurance isn’t just a nice thing to have - it’s a legal obligation. Furthermore, even if you are not required by law to purchase insurance, it’s still worth doing: car repairs can be ruinously expensive, and insurance is crucial for mitigating some of these costs.

#2 - Building insurance

Building insurance focuses on the structural elements of your property; you can often bundle this with contents insurance, but the buildings element is by far the more important of the two. Structural problems in a property can be extortionately expensive to repair, so coverage is an absolute must if you own your own home.

#3 - Life insurance

Life insurance is not something that many young people think about, but it’s nevertheless a worthwhile policy that can help to protect your family’s financial well-being in the future. The infographic is a great place to start when looking at life insurance for the first time, so it’s well worth reading through and then exploring your options in more detail…
Infographic Design By How much life insurance do I need