Printable Yankee Candle Coupons
by Mike on August 25, 2009
in Discounts and Coupons
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This page is dedicated to helping you find the latest printable Yankee Candle coupons.
My wife is a candle freak and has them all over the house. She loves when I find a printable Yankee Candle coupon like this:
Save $10 on any purchase of $25 or more. (Also has a code so you can use it online)
Click here for your printable Yankee Candle Coupon
Hurry…this one expires 9/19/09!
Printable Red Robin Coupon
by Mike on August 25, 2009
in Discounts and Coupons
Join the Red Robin eClub and receive a coupon for $3 off your next purchase. You’ll also receive a printable Red Robin coupon for a FREE burger on your birthday.
My whole family loves Red Robin and we eat there all the time. They have some of the most delicious burgers ever. My favorite is the Whiskey River Burger!
If you have one in your area you should definitely take advantage of this offer.
Click here to get your Red Robin Coupon
By the way, we got even more Red Robin coupons (including two for $5 off and one for a free appetizer) when we purchased the Entertainment Book for our area. Grab a copy for yourself too while you’re at it.
Slash Your Electric Bill With The Kill-A-Watt P3
by Mike on August 23, 2009
in Saving Money
Can the kill-a-watt P3 really save you money on your electric bill? Here’s what I found out…
Do you have any idea how much your tv, computer, and other electronics and appliances are costing you? Even when they’re turned off?
You’ll be shocked to find out how much of your money is going right down the drain. I know I was.
I’ve been looking for ways to cut my bills so when my buddy and his wife stopped by for dinner last week, he brought a new tool with him that I just fell in love with: the kill-a-watt p3 electric usage meter.
It’s an incredibly useful tool that tells you exactly how much electricity your home uses. All you do is plug one end of the Kill-A-Watt P3 Energy Usage Meter
It’s especially handy in locating phantom energy loss, which is when appliances use power when not even turned on. If you can hunt these energy drainers down, you can unplug them or put them on a power strip (just remember to switch the power strip off when not in use).
I took the kill-a-watt P3 all around my house and conducted my own inexact residential energy audit and I was shocked at how much energy we were wasting. Read more
Give Yourself A Pay Raise By Adjusting Your Federal W4 Form
When was the last time you adjusted your federal W4 form? Do you even know what a W4 is?
If you’ve ever had a job, you’ve completed a federal W4 form. It’s just a simple one page form that tells your employer how much money to take out of your paycheck for taxes. You probably filled one out when you first started your job and then forgot all about it.
If you received a large amount back on your last income tax return then you are probably having too much money withheld from your paycheck for taxes, and you can save some money by filing a new federal W4 form with your employer.
An interest free loan?
Imagine someone walked up to you asking to borrow money. He says he wants you to give him $200 a month, and at the end of the year he’ll pay you back. But he won’t pay you any interest…not a dime. What would you say?
You’d probably tell him to take a hike. And you’d probably think he was nuts. Why should you loan him all that money and get nothing in return for your trouble?
But now stop a second and think…if you wouldn’t give him an interest-free loan, why do you give one to the government without thinking twice?
Because that’s exactly what you do when you have too much withheld from your paycheck. You tax return is YOUR MONEY. The government just borrowed it for a year and then gave it back without paying a penny of interest.
That’s a great deal for them, but for you…not so much.
Now think about how many times during the year you could have used a couple hundred dollars extra during the year. You may have been able to afford much more throughout the year, or you could have put that money to work for you by stashing it in the bank or investing it.
Most people treat a large tax return as a bonus that should be spent on luxuries, such as a vacation. Few people use the money to pay down their debt or buy investments. A vacation is always nice, but you when you come back your credit card debt and other bills will be waiting for you.
Reevaluate your withholding
Certain events in your life should always trigger a reevaluation of your tax withholding. Marriage, divorce, a new child, a new home, and a significant raise in salary can all have a major impact on your taxable income. You should also check it each year after you complete your tax return. This will ensure that you are on target for the following year.
To change your withholding, just ask your employer for a federal W4 form. You can also download the form yourself at IRS.gov. It takes less than five minutes to complete and it includes a simple worksheet to determine exactly how much you should withhold.
The tax code is full of so many complicated deductions and credits, that the amounts will never match exactly. But the federal W4 form will put you in the right ballpark.
Then all you have to do is contact your company’s payroll department and have your withholding changed. You may miss the feeling of a big payday that comes with a large tax return. But you will appreciate the extra cash in your pocket each month even more.
AMEX Blue Raises Rates, Pisses Off Customers
by Mike on August 17, 2009
in Credit Cards, Money News
I’m telling you…the little guy can never get a break.
You work hard and pay your bills on time month after month and what do you get? A big kick in the balls.
This past Saturday I received a letter from American Express informing me they were jacking up the interest rate on my Amex Blue card from. When I say jacking up…I mean almost doubling it!
It turns out I’m not the only one. The Consumerist is reporting that ALL Amex Blue customers are receiving the same letter. What’s more…American Express seems completely unwilling to budge on the new rates.
In the past if you called your credit card’s customer service and asked for a better rate they would usually knock off a few points for good customers. But several people have already reported being denied by Amex service reps who seem to have the “take it or leave it” attitude.
I’ve been an Amex customer for years and have always been satisfied with their service. But this likely means the end of my relationship with them.
2010 Entertainment Coupon Book With Free Shipping
by Mike on August 13, 2009
in Discounts and Coupons
The 2010 Entertainment Book Is Now Available! Order Today And Get Free Shipping!
I’m a big fan of The Entertainment Book because it saves me hundreds of dollars every year. Last year’s book came loaded with $20 in Shoprite coupons, tons of local restaurant coupons, and savings on everything from dry cleaning to oil changes to amusement parks.
It’s perfect for anyone who is trying to cut corners and save money while still going out and doing things that are fun.
In just the last year I’ve used the Entertainment Book to save money on lots of things like:
- Free blockbuster movie rentals
- Local restaurant coupons for free appetizers or entrees
- $20 saved in trips to Shoprite
- Free coffee at Dunkin Donuts
- Free admission to local amusement parks
And a lot more I can’t even remember right now. Trust me the Entertainment Book is one of the smartest things you can buy…because it pays for itself over and over again.
Click here to buy it now and get free shipping too!
Reverse Mortgages Pros and Cons
A few years ago my mom and dad were in a tough financial situation. They were both retired and unable to work due to health concerns, and they were struggling to get by on Social Security and a small monthly pension.
They still owed a lot on their mortgage, plus credit cards, and their property taxes were too high too. They thought they were going to lose the house they lived in for 22 years.
Then my brother in law read a story in the paper about reverse mortgages. He brought the article over and we all thought that it could be the solution to their problems. They went through with it and let me tell you it changed their lives forever.
In today’s economy where millions of senior citizens are in over their heads and living in houses they can’t afford, reverse mortgages can be a godsend.
Of course, a reverse mortgage is not something to take lightly. Before you sign any paperwork, be sure you do your homework and understand the pros and cons of reverse mortgages. Below I’ve listed some common reverse mortgage questions and answers, but you’ll definitely want to do more in depth research before going ahead with it. Read more
Cost of Having a Baby May Scare You Into Celibacy!
by Mike on August 8, 2009
in Money News
My buddy Jim and his wife have been talking about having a baby but they’re a little scared of the financial impact it will have on their lives.
And with good reason! A recent study shows that the typical cost of having a baby and raising him or her to age 17 is $221,000!
That number includes housing, food, clothes, diapers, formula, and all related child care costs. I assume it also includes all the unexpected expenses that come up when you have kids…
Like the time my daughters decided to flush an entire roll of paper towels down the toilet. I tried plunging and snaking it myself, but no luck. In the end I had to drop $175 to have a professional come in and clear the line.
Then there was the time my daughter was complaining of an ear ache. Turns out she had crammed part of a green crayon in her ear. The pediatrician couldn’t get it out so we had to go to the ear, nose, and throat specialist for a whopping $400!
With my third child on the way that means I’m in the hole for about $663,000!
But despite the added bills and stress…I wouldn’t trade them in for all the money in the world. The cost of having a baby may be scary but in my mind its a bargain fr all the happiness my little ones bring me.
Free Dunkin Donuts Coffee Sample
by Mike on August 7, 2009
in Free Samples
free dunkin donuts coffee sample
I love coffee. And I’m completely addicted to it. I just can’t function in the morning without a cup or two to give me a jolt!
If I could afford to stop at Dunkin Donuts every morning for my “medium coffee with cream and sugar” I would, but my budget doesn’t allow it. So most of the time I make my own coffee at home.
Of course I can still enjoy the flavor of Dunkin Donuts coffee at home if I buy it by the bag and brew it at home. But even that is kind of expensive compared to other brands.
That’s why I get excited when I find offers like the one below…
Just click on the link below, complete a simple form, and in a couple of weeks you’ll receive a free Dunkin Donuts coffee sample.
Now I’ve already received a sample for myself and I also had my wife request one too so hopefully we’ll receive a second sample too!
Click here–>free dunkin donuts coffee sample
Babies R Us Printable Coupons (Expire 8/13)
by Mike on August 4, 2009
in Discounts and Coupons
My wife and I are expecting our third child this October so these coupons will come in handy…Babies R Us printable coupons that are good until 8/13/09.
Click here to print -> babies r us printable coupons
Coupons include:
Save 15% on all Car Seats
Save 15% on all Strollers and Travel Systems
Save 10% on Swings, Walkers, Entertainers, and Jumpers
Save 15% on Graco monitors
Save 20% on all Flip-Open Sofas (my kids love these!)
Save $5 on Dreft and Tide laundry detergents
Save $5 on Especially for Baby diaper cases
Save $3 on baby formula cases
Plus many others including coupons for baby wipes, breastfeeding items, bath stuff, diaper bags and more.
Download your Babies R Us Printable Coupons today and start saving!