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How to Save Money with Coupon Codes

00c2a65af6bb4db892ca2360ef78df93A lot of people nowadays are looking for great deals on items especially if they are trying to cut costs. Most of them also watch out for seasonal sales on stores so that they can save more money. However, is it still possible to get discounts even if the store is not on sale?

Coupons can be found mostly on the Sunday paper, weekly circular, or on selected magazines and online. You might have seen the reality TV shows that tackled couponing to the extreme but we will not go into that. These are just simple ways on how you can save money either when you go grocery shopping or when you make your next purchase online. Anyone can do it but you have to make sure to check out a few things first.

There are many of websites that offer coupon codes. You can check out coupon codes from Discountrue coupon databases, compare prices, store names, holiday deals, and see how much of a discount you can get on items for you to get the best deals based on the budget you have.

How to Save Money with Coupon Codes

Some retailers will allow you to use more than one coupon or one code on the same offer. For example, you can get a 10% discount off coupon with a free shipping code or you can use a promotional code with a sale or clearance to maximize out the deal.

Always check the expiration date. Stores reserve the right to expire coupon codes earlier than usual and there could be no notice at all. This happens because of the increased demand or limited stock supplies. If you really want to buy that item that you’re interested in, it’s better to purchase it quickly or it might not be there on the next day. You can also call store managers to check the validity of the promotion codes.

Accumulate more purchases to increase code savings. If you buy more, let’s say combine your shopping and purchase multiple items from the same retailer, you can benefit from the discount or you can have a friend or family member join you in the purchase so that you won’t miss out on the savings.

Never, ever pay for codes! This is a sign that the website might be a scam or untrustworthy. There are lots of promotional coupon codes online that doesn’t require you to sign up or pay for accessing codes. Better watch out for this. Coupons were made to save you money and shouldn’t cost you a single dime!

If you are shopping online, don’t miss out the promo box. Search every inch of your computer screen to find that box. The discount needs to be applied to your total BEFORE you make the purchase. Don’t skip out on this or you will miss out on a ton of savings. A discount will never appear after you bought the item.

Research. Some retailers go beyond Google. Some of them are on Facebook, Twitter or on other social media platforms. If you want, you can also have instant updates on the latest promos and exclusive codes emailed to you so that you can be in the loop of the latest discounts.

Look out for shipping fees. It’s possible that one retailer doesn’t offer free shipping at the moment. It’s best to search around for the brand that has the best offer.

Keep an eye out for the competition. You can save money this way by comparing prices with competitor stores and the same goes for online shopping. This way, you can compare brands that offer the same or similar products thus getting the best value on your purchase.

Now that you have the secrets for using coupon codes, you will definitely get the best deals out there.

Happy shopping!

Friday Faves: Happy no NFL week ladies!

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Happy Friday.  Am I the only one who is glad there is no NFL Football this weekend?  For the first time since September I will finally get a chance to spend a Sunday with BF and I’m excited.  Until next weekend that is when it’s time for the Superbowl.  It’s OK!  If you’re husband or boyfriend is obsessed with sports like mine is I’m sure you’re like me and you’re happy to have whatever time you can with him.  Right?

Enjoy your weekend.  Here are some great posts from our friends across the web:

Centsible Life – New Year, New Resolution: 7 Ways to Spend Smarter in 2015

YRL Planning – New Year’s Resolutions for Your Money – And How a Financial Coach Can Help

Money Crashers – Lifetime Savings Plan – Major Life Expenses & Savings Principles at Every Age

GoGirl Finance – 3 Financial Goals You’ll Actually Want to Accomplish This Year

Smart Money Chicks – Car Financing 101: Know Your Borrowing Options Before Car Shopping

Surviving and Thriving – An Explanation of millennials and money

Photo from I’dPinThat

Your Taxes: Love or hate relationship?

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After the new year starts everyone is focused on their New Year’s resolutions – as am I.  But once I’m set into my routine including my new goals – this year it was to hit the gym and lose weight – my focus quickly shifts to something else.  Taxes.

I have a love hate relationship with my taxes.  I love getting a refund but I hate collecting papers all year and calculating my income and expenses over the last 12 months.  I like to do as much as I can to prepare my taxes before I take them to my accountant because he charges by the hour.  The more work he has to do the more it costs me and I already think it’s ridiculous to pay a fee for a service that is mandatory by the government – but that’s a whole other story.

Personal confession: I’ve never filed my own taxes

It’s true!  I have to admit I’ve never filed my own taxes.  When I was 15 and got my first job working at McDonalds my Dad filed my taxes.  When I was 17 I started working two jobs and after my parent’s divorce my Mom took my taxes to her accountant.  At 18 I moved away from home to go to college and started filing my taxes out of state with H&R Block.

Now I’m 34 years old and I take my taxes to an acquaintance who I met through a colleague at work.  It’s actually turned out to be a great relationship; he sends me clients who need a financial planner and I bring my friends to him to file their taxes.  It’s a win-win situation.  But he still charges by the hour.

I’m sure if I really wanted to I could probably figure out how to file my taxes, maybe – but probably not.  Even though I work at a bank numbers still give me a headache so I much prefer to have someone do them for me.

Are you a brave soul who files their own taxes?

Hats off to you if you do.  I honestly don’t think I could do it – although I’d like to think I can the truth is I probably can’t.  I would sit at my kitchen table for 15 minutes staring at all my tax slips and forms and then get up to take some Tylenol.

I have a 9 to 5 job as well as my own freelance hustle on the side so I wouldn’t even know how to start doing my own taxes.  On top of that I wouldn’t know where to begin looking for tax credits.  So for me it’s worth paying a professional to file my taxes.

If I had a very basic tax return I would probably be able to crack down and do them myself, but even then we have to add BF into the equation.  Do you file joint taxes?

If you do file your own taxes our friends at H&R Block have a special offer for you.  Right now you can get their Deluxe or State desktop software free.  More details here.

Happy tax time!

Photo from IdPinThat

Will Borrowing Money Help Your Financial Worries?

blondeandbalancedFinancial troubles are the worst things that a person can face in his life. Of course none of us like to face any monetary problems in our life but everything cannot go so smoothly all through our lives. Financial ups and downs are a part of life and we have to deal with them as and when they occur.

So, are you faced with a financial emergency all of a sudden? Has an emergency arrived out the blue and needs you to invest a good deal of money? If your answer to these questions is yes then you must be requiring a quick solution. A financial emergency may arise out of nowhere and leave you totally baffled. Even the previous night before going to bed you might not be able to realize the next morning is going to be a huge burden of financial emergencies for you.

The situation would be worse if you have a monthly loan or rent to pay to a bank or to someone. An emergency means, you will not have any savings left and your bank accounts would also dry out. In such a scenario when skipping a month’s loan or rent is also not an option, it leads to a situation that is extremely hard for you to handle. And in these situations it becomes extremely difficult to come up with a solution. A relative or friend might not be always available to extend you a helping hand. And moreover, finance is a very delicate subject and not many of us can trust everyone with our money!

Therefore if you are facing a short term financial crunch and are looking desperately for a quick solution then no longer will you have to run from pillar to post. You can find your solution in the simplest way with the help of a few clicks of the mouse. Over the internet you will come across a company that will offer you the required amount of money for a certain time period. Thereafter you will have to repay the amount. However, before applying for these loans you need to remember that these are your short term requirements and are not going to suffice your long term needs. Therefore, you cannot depend on these loans for long term borrowing.

There are various payday loans lenders available on the internet today. You can visit their websites and know them individually. Each lender might be unique when compared to the other in some way or the other. Their loan lending terms and conditions may vary and before you borrow the amount you must read all their terms and conditions very carefully. Also, once you review the profiles of a few companies, you can conveniently go for the one that gives you the best offer and deal.

Therefore, it is time you kiss goodbye to all your short term financial worries as you can borrow money as and when you need and return them when the situation becomes stable and your financial condition no more worries you.