The quick decision to purchase a Keurig coffee machine turned out to be a great deal! It was on sale, I had a 25% off coupon, and a gift card that I had purchased at 20% off, I saved $90! Watch to learn how you can do it too!
7 Gifts To Give Yourself
What do you want for your future? If you don’t have a plan there is no better time to start than now! Make a plan to start learning about financial freedom by subscribing to this channel today.
Bath and Body Works Wall Flower Deal And Freebies! November 2022
Wallflower fragrance refills from Bath & Body Works are a great way to enjoy the smell of your home. For the Christmas season we are enjoying Fresh Balsam because of this amazing deal! Watch and learn how I did it!
Kohl’s Great Clothes Deals for December 2022
When I received the email that Kohl’s was offering 40% off I knew it was time to go shopping. Armed with my coupon, Kohl’s Cash, and Christmas shopping on my mind I was able to save $142.39 on this purchase. Click this link to watch!
Free Doughnuts Every Friday In March 2020!
Starting tomorrow, members of the company’s DD Perks program will get a free doughnut with the purchase of any beverage, company officials announced. The offer is available for every Friday through the end of the month.
The company said its free perks program has more than 13 million members. Membership in the program is required for the free doughnut promotion.
Wendy’s and McDonald’s have also pushed nationwide free giveaways to promote their respective apps. Wendy’s, which launched its breakfast menu nationwide earlier this week, is giving away a free Chicken Biscuit sandwich with purchase on mobile orders. McDonald’s offered free Egg McMuffin sandwiches last Monday. Enjoy! https://news.dunkindonuts.com/news/thank-goodness-its-free-donut-fridays-at-dunkin
ARE YOU PAYING TOO MUCH? OVER AND OVER AGAIN?
It was all my fault, and I take full responsibility. I was tired. I was lazy. I was driving by a pharmacy and remembered I had just run out of my vitamins. So I impulsively stopped to grab them. The cashier rang them up and told me the total: $12.99. I thought it seemed like more than I had been paying, but I was tired and I needed them. All the way home, my tired brain kept saying, that seems really expensive for those vitamins. As soon as I got home, I looked up the prices. WHOA, it was $4 more than where I usually buy them. Well, I need the vitamins, but 50% more just seemed more than I could bear. I tried to rationalize the purchase. I can afford it. I was tired. It is OK. But that means if I keep spending an extra $4 for vitamins over the course of a year, I would spend an extra $48 on vitamins when I really could’ve gotten them cheaper. That’s what a dinner out might cost. What if I spent an extra $4 on ten other products? $48 x 10 = $480. Now, that could be a plane ticket or two. I’d rather have a trip to Maui than paying a convenience fee of $4. Back to the store I went to return the high priced vitamins. Then I went where I regularly buy them for a much lower price. It certainly cost more to right this wrong but the moral of the story is: I have my $4 back, my dinner out, my plane tickets to Maui, and I learned my lesson (maybe you did too)!
Tax Refund? What are you going to do with it?
We have some suggestions if you want to create a feeling of financial freedom.
(1) Pay debts – Use the refund to pay debts that are from consumption or non-appreciating assets like credit card debt, student loans, car loans, medical debts, etc.
(2) Fund expected and unexpected expense saving accounts – Creating these reserves to draw from when necessary can avoid you from creating debt when life events occur.
(3) Invest it – There are so many opportunities to grow your money. We generally suggest the stock market, real estate, or businesses.
(4) Create a fun fund – If you have all your debts paid off, fully funded expected and unexpected saving accounts, and you are investing consistently a percentage of your income regularly, it is time to have some fun! You can save it up for something big or use it for some special occasions.
If your refund is large, you may want to look at adjusting your withholding or your estimated tax payments.
Above all else, always consider using your refund to improve your financial situation.