Double Your Savings When You Buy Gift Cards At Kroger! #Kr2xdip {Plus Giveaway!}

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Disclaimer: This is a sponsored post in conjunction with Tatu Digital Media and a campaign for Sverve. Regardless, all opinions expressed are still 100% my own.

Yeah, I’m a Black Friday fanatic. Note that I said Black “Friday.” I don’t do Thursday. In fact I blatantly boycott stores that are open on Thursday. But at the same time I am on a budget. That doesn’t mean I go cheap, it just means I go with a very firm limit on what I am going to spend. There are two ways I do that: Cash and gift cards. My credit cards and debit card stay at home on Black Friday, under lock and key.

So my strategy is simple. I pick up the Sunday paper and scour the online Black Friday sites. By the time Thanksgiving rolls around and the paper comes out with the Black Friday ads, I’m already set. You know why? Because I went to the bank on Wednesday for my cash. And on the way home I stopped by Kroger and stocked up on a whole lot of gift cards along with my last minute Thanksgiving dinner items. Then I immediately pull my debit card out of my wallet and put it up in the cabinet.  So I’ll be stocking up on Gift Cards for stores that are closed on Thanksgiving and doing my Black Friday shopping on Black Friday. Look out Home Depot, REI, Barnes and Noble and Marshall’s. I’m coming for you.

This Black Friday, in addition to using my gift cards like cash, I’ll be able to save even more. Want to know how? Right now at Kroger, you can double your savings by earning 4x fuel rewards and extra credit card rewards (if that is your thing) when you buy gift cards.

HOW IT WORKS:

Fuel Offer: Now through December 6, 2014, get 40 cents off per gallon when you spend $100 on gift cards. ALL gift cards are included in this offer with the exception of Visa variable, MasterCard variable, and American Express variable gift cards. Any other “variable” gift cards are included and you can add any amount that you want up to $500!

This is handy dandy and useful even if you don’t use your credit card!

Earn Credit Card Rewards: Use your favorite rewards credit card to purchase gift cards. This will allow you to earn points and miles or a percentage back on your purchase. Some credit cards even offer increased rewards for purchases made at grocery stores!

Now, if you will humor me, a little math. Feel free to skip this part if the percentage breakdown game isn’t your thing!

Right now you can save 15% when you purchase $100 in participating gift cards:

$6 Off Fuel: Anytime you buy a $100 gift card you will earn $0.40/gallon of gas. That is $6 in savings for a 15 gallon tank.

$3 Back: If you earn 3% on grocery purchases through your credit cards rewards program you will get $3 back!

For additional details, head to Kroger near you!

~ GIVEAWAY ~

Amazon Gift Card

Managed by Tatu Digital Media

Giveaway ends on December 15, 2014 at 12:00 PM EST

Giveaway is open to residents of the United States who are 18 years or older

a Rafflecopter giveaway

 

Disclaimer: This is a sponsored post in conjunction with Tatu Digital Media and a campaign for Sverve. Regardless, all opinions expressed are still 100% my own.

Giveaway Disclaimer: The participating bloggers are not associated with any of the companies named above. No purchase is necessary to enter. Void where prohibited by law. The odds of winning are based on the number of entries received Open to US 18+ only. Confirmed Winner(s) (by Random.org) will be contacted by email. No purchase necessary. Void where prohibited by law. The sponsor will be responsible for product shipment to winner(s) of this giveaway. My blog is not responsible for product shipment/delivery. This event is in no way administered, sponsored, or endorsed by, or associated with, Facebook and/or Twitter, Google, or Pinterest. This disclosure is done in accordance with the Federal Trade Commission 10 CFR, Part 255 Guides Concerning the Use of Endorsements and Testimonials in Advertising.

Financial Primer to Prep Your Teen for College: Money Management 101

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Teens MoneyThe most important talk you can have with your teen might be about the birds and the bees, but talking about credit cards and money management is something that should be taken just as serious and just as important as far as having long-term effects in their lives. According to the General Accounting Office, 42 percent of college students hold credit card debt from month to month, with an average monthly balance over $500. Proper spending and budgeting should start with the family and the best way to prepare your teen for college and adult responsibilities is to teach them basic money, credit and identity information from the beginning. Giving them a money management heads-up will go a long way toward putting them on the road to financial security.

Budget Wisely

Set up a budget with your teen before she goes away to college. Sit down with her and plan out expenses such as school supplies, food, housing and entertainment. Show her how to divide up her total income for the month into each category, covering the necessities first before adding to the entertainment or miscellaneous pile. Emphasize the importance of following the budget each month and using creative methods such as temporary jobs to make up any shortfall.

Start With a Secure Card

Most college students who get into financial trouble do so with a credit card. Credit is easy to acquire when you’re young with a clear credit history, and teens can amass a wallet full of cards in a short amount of time. Set your teen up with a credit card before she goes to college. Start with a secured card, backed by a set amount of money. This will allow her to experience using credit while not risking creating a large debt. Once she has used and paid off the card regularly, think about sharing a joint card.

Check Credit Score Regularly

Teach your teens to check their credit scores on a regular basis. According to LifeLock identity theft experts, identity thieves love to steal minors’ social security numbers and personal information. The clean credit records and lack of debt make children’s identity an ideal target. Investing in an identity theft prevention service can pay for itself in a short period of time. Police departments are reporting that minors are the fastest growing segment of the population to suffer from identity theft, described on the LifeLock website. Becoming a victim at this young age can affect a college student’s life for decades.

Share a Joint Checking Account

Open a joint checking account with your teen by the time she’s a junior in high school. By this age, she is old enough to have a cell phone, work a part-time job and perhaps drive the family car. When paying her share of these expenses, she can practice using her checking account to pay the bills. Don’t pay extra for overdraft protection; bouncing a check and paying the resulting fees will be a good lesson in budgeting and its consequences.

Learn the Value of a Dollar

Speaking of paying a fair share of the bills, make sure your teen is involved in this activity by an appropriate age. You will do her no favors by simply handing over a credit card or some cash every time she wants something. Food, shelter and clothing are your responsibilities, and the clothing can be held to a budget. Everything else falls under the category of wants instead of needs, and your teen should figure out how she intends to pay for them. Once she equates working 10 hours with the cost of a concert ticket, she will be much more aware of the value of money, and much closer to becoming a responsible money and credit user.

This is a guest post by Don Woods:

Dan is a financial consultant for several small business owners. He writes finance and business news and reviews for cloud computing software

Creating a new website that sells products extremely eas

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Online store software makes creating a new website that sells products extremely easy. It does not matter if you are selling tangible products or digital downloads, the use of store software makes the task simpler. There is no need to learn coding or how to build a database. These things work behind the scenes while you drag and drop your products into templates. The entire store can be up and running as quickly as it takes you to add your products and do your cosmetic changes to the layout of the templates. Since online sales are quickly becoming more popular than they were a decade ago, if you are a business owner, you need to have a web store to expand your customer base. You can thank the influence of social media sites for an increase in the online retail dollars that consumers spend. The consumer is now connected to people they trust, and they are more than happy to rely upon their close friends for referrals. The emphasis on social network may not have had a clear direction when it was first introduced, but like everything from magazines to television, the retail industry is trying to figure out how to capture the attention of all the users that gather on these sites. Advertising dollars are spent by big companies to try to entice the prospective buyer from socializing to spending. As a small business owner, you can also use these areas as a place to gain new customers. There are advertising plans for any budget.

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5 ways to save money traveling to the United Kingdom this summer..

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With summer almost here, it’s time to start thinking about traveling.  I have been planning a trip to the UK next year and am super excited about my upcoming travels.  While it’s a year away, I know I need to start looking for ways to save money now.  The way I look at it is if I start now, who knows the savings I will find.  I’m looking for the BEST hotels, cheap flights!  You name it, I want to save as much money as possible so I can spend more while I’m on my trip!
While browsing the web I found an awesome website that allowed me to savings on hotel bookings and flights, it’s called Monarch.  Here’s a few awesome ways to save money on your next trip tot he UK.
  • When booking a flight holidays are cheaper to fly, for example flying  on the Fourth of July, Memorial day or labor day will save money if you do not mind traveling on those days.
  • Choosing to fly on Mondays, Tuesdays and Wednesdays can save around $60 round-trip with Wednesdays being the cheapest  day to fly
  • Try to book your trip no later than one month in advance for the best deals.
  • When booking your hotel, choosing one away from town centers, this can save as much  as 40% on your hotel bill.
  •  Ask your employer if your company receives any discounts. Because businesses send workers all over the world they may have deals with specific hotels.
Monarch allows you to savings on hotel bookings as well as find cheap flights at monarch!   It has great deals on everything from flights to train tickets. There is a ton of information about every single  detail you need to plan a trip in the Uk.
The website has a special going on now that takes $32.55 of each person for return flights on over 5 million seats, all dates included. To claim the discount simply enter the code BIG25 into the booking path and see the overall price drop..
They are also running a competition when you add either an Essentials or Extras Airpack to your booking you are entered into the daily contest to win back the cost of your flight. The Essentials or Extras Airpacks give you extra leg room, a choice of where you will be seated and also allows for heavier luggage
Monarch also offers this incredible plan called MFlex you can add on to your ticket for only $3.26 per person each way, which is worth it, especially when you are planning a trip sometimes plans change and this way you are covered for changing any travel dates as long as you make changes 15 days prior to the departure  date.
Don’t forget to check out some of the great Windows Phone travel apps.

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Just like your home, your finances need to be cleaned up regularly. With spring-cleaning fever around the corner, it’s time to give your winter finances a fresh look and get your credit in tip-top shape.